Search found 3219 matches

by Steelersfan
Sun May 21, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: QDRO qualification with a 401k loan... need help asap.
Replies: 3
Views: 234

Re: QDRO qualification with a 401k loan... need help asap.

Not an attorney.

The QDRO will split off whatever funds are specified in the QDRO from your name into hers. I'd be surprised if Fidelity would keep the loan in place when the 401k has substantially less balance.

Ask Fidelity. Or your company's HR person.
by Steelersfan
Thu May 18, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2662

Re: Chandler, AZ

You might also try posting your request in the Phoenix section of City-Data:

http://www.city-data.com/forum/phoenix-area/
by Steelersfan
Tue May 16, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Use of Drivers License for air travel
Replies: 20
Views: 1710

Re: Use of Drivers License for air travel

PoppyA wrote:And, you always have the option of flying with no ID but going through a rigorous screening.


And make friends with the bomb sniffing dog (if they have one at that airport).

Don't ask me how I know. :(
by Steelersfan
Tue May 16, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 82
Views: 12026

Re: Regret early retirement/downsizing

I early retired and had already downsized a few years prior. One of my retirement gifts was a wooden plaque that just said "Simplify". It sits in a hallway and I pass it many times a day. I've lived that word and have never regretted it.
by Steelersfan
Sun May 14, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 2577

Re: How many firms do you use?

95% of assets at Vanguard, both taxable and IRA. A few iBonds at Treasury Direct and a checking account and CD at a local bank.
by Steelersfan
Sat May 13, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 14788

Re: Best DNA genealogy testing kits

Didn't read all the replies and am sure this has been addressed, but if it hasn't I wouldn't even consider this unless there are explicit legal documents stating who owns the tissue you submit after testing and what is done with it. Also, who is privy to the data. I can bet it is only a matter of t...
by Steelersfan
Sat May 13, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: best genealogy test for geographic origin
Replies: 9
Views: 780

Re: best genealogy test for geographic origin

You can add Family Tree DNA to your list. Geno 2.0 by National Geographic is very different than the others and claims to determine your family's route all the way back to "out of Africa", i.e. 10's of thousands of years. The other testing firms are more like (many?) hundreds of years. Eac...
by Steelersfan
Fri May 12, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Nonqualified Deferred Compensation distributions
Replies: 13
Views: 780

Re: Nonqualified Deferred Compensation distributions

Our Deferred Comp plan was in addition to the 401K and was only for higher compensated people.
by Steelersfan
Fri May 12, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Nonqualified Deferred Compensation distributions
Replies: 13
Views: 780

Re: Nonqualified Deferred Compensation distributions

I chose my distributions to start 2 years after retirement, after some other post employment payments ended. That reduced the tax impact. I did my distributions over 3 years from the time they started. I wanted to reduce the time frame of my exposure to something bad happening to the company, slim c...
by Steelersfan
Wed May 10, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 4222

Re: What newspaper or magazine do you pay for?

The New Yorker and The Economist. The New Yorker for the quality of the writing and The Economist for insightful articles

Newspapers I read for free at the library, and any magazine that catches my eye at the time, which isn't often.
by Steelersfan
Sun May 07, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Really need some advice for a 401k rollover after forced retirement
Replies: 21
Views: 1295

Re: Really need some advice for a 401k rollover after forced retirement

Lots of good advice here.

Don't feel any obligation to go back to the Raymond James adviser. He'll only try to persuade you with sales techniques full of half truths that can be hard to refute and sound good. Don't waste your time.
by Steelersfan
Fri May 05, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 5
Views: 601

Re: Medicare Supplement Policies?

I have Plan F, which is very similar to Plan G. Plan F is scheduled to cease accepting new clients in 2020. If I had it to do all over again I would have gladly picked Plan G.
by Steelersfan
Fri May 05, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1012

Re: Does Your Doctor Take Funds From Drug Companies?

The surgeon that used a robotic machine on me got $15,000, as did his brother who works in the same practice. It was from the company that makes the robotic they use.

But that's small potatoes compared to the 10 surgeons who each got over $300,000 from the same company.
by Steelersfan
Fri May 05, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1012

Re: Does Your Doctor Take Funds From Drug Companies?

Mine did.

$14 in 2014. I think that qualifies as clean enough.
by Steelersfan
Tue May 02, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 213
Views: 17908

Re: Where to Live on $60K or Less a Year?

I would narrow it down with consideration for climate. Do you hate hot summers that lost forever. Does the idea of cold winters and driving on snowy streets turn you off? While at that level of income taxes aren't the first consideration, Pennsylvanian (and maybe other states) don't have income taxe...
by Steelersfan
Tue May 02, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Which to sell first: Options or Shares from Vested Restricted Stock
Replies: 15
Views: 1010

Re: Which to sell first: Options or Shares from Vested Restricted Stock

My situation was somewhat different than yours since I had several years to unwind, but I had both options and shares when I left the company.

I sold the options first, over several years, then the shares. That helped spread out the tax hit.
by Steelersfan
Mon Apr 24, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8130

Re: Helping adult children

Three kids, two married with children, one not married and no children. All financially stable and similar financial circumstances. I've always (see below) given them the same amount each year. The one exception was when one of them (one of the married ones) got sick and couldn't work for more than ...
by Steelersfan
Sat Apr 22, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 25
Views: 1876

Re: Medigap Insurance Plans

F will only be closed off to new people. If you're in F, you can stay as long as your carrier still has an F. I personally like plan-G the best; but there is no guaranteed issue if you are changing. But if you are VERY healthy, It could be a good time to change to G. Unless there is Kaiser Permanen...
by Steelersfan
Fri Apr 21, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 6967

Re: My Doctor says I am "unusual" (declining some blood tests)

I have a condition that causes mild to moderate pain in my Achilles. There's no specific test for what we think the root cause is, but after five or six tests they can rule out things that it's not. Based on my medical history it's very likely we know what that is. It's not treatable and may or may ...
by Steelersfan
Thu Apr 20, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 118
Views: 14788

Re: Best DNA genealogy testing kits

A note for those who did the "Origins" test with FamilyTree DNA. They changed their algorithm recently and some people who did the test with the same DNA sample before and after the change are reporting substantially different results. Which one is correct? Probably neither. You pays your ...
by Steelersfan
Mon Apr 17, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Best cruise
Replies: 50
Views: 3856

Re: Best cruise

Here's another cruise board, with an entire section just for first time cruisers: http://www.cruisemates.com/forum/
by Steelersfan
Fri Apr 14, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: which tv and size to buy
Replies: 41
Views: 3879

Re: which tv and size to buy

I had the entertainment center dilemma several years ago and decided it was time for the entertainment center to become an armoire. I repurposed a coffee table to put the larger TV set on. I went 44 inch at the time, but when it's time to replace it I'll go much larger.
by Steelersfan
Fri Apr 14, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: How to invest my children's inheritance
Replies: 33
Views: 2833

Re: How to invest my children's inheritance

I'm in a similar situation with less assets in play. I keep my AA at 60%/40%, which seems like a good place if you want reasonable growth without unreasonable risk. I also gift them each year, well less than the allowable max so far, but that might increase as the years go by.
by Steelersfan
Mon Apr 03, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2294

Re: Medigap Plan F Increases

Western PA Plan F here.

10% increase in 2017 (to $215.00 a month) after a 6% increase in 2016.
by Steelersfan
Sun Apr 02, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Do We Need To Continue The Personal Advisory Service?
Replies: 9
Views: 883

Re: Do We Need To Continue The Personal Advisory Service?

In addition, we will be Flagship members any time now and will be eligible for the CFP services. That used to be a service for people at the Admiral level of investments but is no longer offered. I did one once and thought it was fine, but I get just as good advice (maybe better) for free posting q...
by Steelersfan
Sun Apr 02, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Parents (mid 60's)
Replies: 17
Views: 2001

Re: Advice for Parents (mid 60's)

I am in a similar position as your parents but age 69. 1. still wish I had done more Roth conversions. 2. plan to start/increase "early inheritance' gifts to children/grandchildren 3. plan to increase charity donations - perhaps using the Fidelity Donor Advised Fund set up for that purpose. 4....
by Steelersfan
Fri Mar 31, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3391

Re: Divorcing and handling shared and split assets after divorce

CAsage wrote: And put a time limit on spousal support. In some states, it's 1/2 the length of the marriage....


In my state, and several others I know of, the norm is 1/3 the length of the marriage.
by Steelersfan
Fri Mar 31, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 6369

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

I use this in my taxable account (and have for at least a decade) since I don't have enough room in my retirement account to hold all the bonds I need to meet my desired asset allocation. I pay little attention to the NAV. If interest rates suddenly start climbing I might pay more attention to it, b...
by Steelersfan
Thu Mar 30, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3391

Re: Divorcing and handling shared and split assets after divorce

If you split the property now, and the wife needs to qualify for a mortgage, it's not likely she can qualify for one with no income. She could become the owner on the deed but you'd have to co-sign the (new) mortgage. It may not be easy to find a mortgage company who would do that. That is could sti...
by Steelersfan
Tue Mar 28, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Should I drop Full coverage on my car?
Replies: 17
Views: 1212

Re: Should I drop Full coverage on my car?

In the past, when my vehicles reached around the 5k value is when I dropped the collision/comprehensive coverage. This doesn't seem to be your case, but if you could not afford the $5k loss (no EF, no savings, no ability to get another car) I would keep the coverage. I think this is largely a perso...
by Steelersfan
Mon Mar 27, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Can a cell phone get hacked?
Replies: 20
Views: 2144

Re: Can a cell phone get hacked?

If it has software and connects to a network it can be hacked. More software, more internet connectivity, more likely. Still, in all, very low probability. I wouldn't worry about being hacked, unless you're an agent for some semi-secret government agency. Spoofing happens all the time. It's a bother...
by Steelersfan
Sat Mar 25, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: DOL fiduciary rule : April 10th, so far
Replies: 4
Views: 452

Re: DOL fiduciary rule : April 10th, so far

I believe the costs must be made more visible. Visibility is a small part of it. Before this regulation advisers only needed to promote something that" suitable". A mutual fund with a 1% ER and a 5.5% load can be considered suitable. With this rule they have fiduciary responsibilities, wi...
by Steelersfan
Sat Mar 25, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: ACH deposits on weekends?
Replies: 10
Views: 967

Re: ACH deposits on weekends?

Some banks are "5 day banks" i.e. process only on week-days. Some banks are "6 day banks" and add Saturdays. You've got one of the later. I've got the former. You win.
by Steelersfan
Sat Mar 25, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: DOL fiduciary rule : April 10th, so far
Replies: 4
Views: 452

Re: DOL fiduciary rule : April 10th, so far

1. No, because I don't deal with any investment advisers, except the excellent, free ones on this board.
2. No, you understand perfectly.

He does too.
by Steelersfan
Wed Mar 22, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Adults trip in May to Zion and Bryce National Parks
Replies: 21
Views: 2195

Re: Adults trip in May to Zion and Bryce National Parks

If you want to do the Narrows (I did) go to one of the outfitters to reserve what you need the night before. I did that and found out there had been heavy rains far up in the mountains and the the river was dangerous and closed, for several days. I was bummed. So have a back-up plan in case that hap...
by Steelersfan
Wed Mar 22, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 782

Re: Best way and pace to shift AA?

Why don't you shift the money in your retirement accounts to bond funds? There's no tax hit if you do that, and depending on how large the total in the retirement accounts, that may get you there.
by Steelersfan
Wed Mar 22, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Adults trip in May to Zion and Bryce National Parks
Replies: 21
Views: 2195

Re: Adults trip in May to Zion and Bryce National Parks

I thought the Navajo Loop Trail at Bryce was really good, takes you though the hoodoos, and not that strenuous.
by Steelersfan
Sun Mar 19, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Getting company to change 401k custodian
Replies: 15
Views: 835

Re: Getting company to change 401k custodian

A technical point (but it may help your argument be better received), you are not asking to change the custodian but the company who manages the funds provided to the employees, a.k.a. the fund provider.
by Steelersfan
Sun Mar 19, 2017 4:01 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4884

Re: Moving from Vanguard to Fidelity (probably)

Please come back after you move your accounts and let us know how it went, and if it was noticeably smoother than your move from Raymond James to Vanguard.
by Steelersfan
Fri Mar 17, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Buying a Storage Unit with Condo...?
Replies: 23
Views: 1667

Re: Buying a Storage Unit with Condo...?

You need it. It represents an additional 6% over your unit purchase price.

Buy it, especially with the flexibility you have to keep it, rent it, or sell to anyone it in the future. You may even make a profit on it
by Steelersfan
Wed Mar 15, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Ins. Company recommendations (any to avoid?)
Replies: 8
Views: 758

Re: Ins. Company recommendations (any to avoid?)

J.D. Power surveys tens of thousands of current clients for their satisfaction with the insurance they have. http://www.jdpower.com/ratings/industry/insurance Note that some insurance companies are only regional so may not show up in the ratings, yet may be better than a national company.
by Steelersfan
Sat Mar 04, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1978

Re: Medigap F vs F High Deductible decision

I'm not one who worries much about the end of Plan F because I think the insurance companies will figure out a way to keep the plan viable. The way to keep the plan viable is to increase the premiums, and as celia already pointed out, "Did you take into account that people will no longer be ab...
by Steelersfan
Wed Mar 01, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 1978

Re: Medigap F vs F High Deductible decision

I'm not one who worries much about the end of Plan F because I think the insurance companies will figure out a way to keep the plan viable.

On the other hand, if I was buying a policy now I would definitely buy a Plan G, or maybe a F HD plan. Why take a chance?
by Steelersfan
Sat Feb 25, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 3022

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: 2326

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: 1383

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: 710

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: 2434

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: 1688

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...

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