Search found 3087 matches

by Steelersfan
Sat Sep 17, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant Background Check and Credit Check
Replies: 23
Views: 1624

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: 1624

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: 1624

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: 274

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: 1901

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: 694

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: 1392

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: 5160

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: 1392

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: 1760

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: 1366

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: 1760

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: 2860

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: 9507

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: 1289

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: 1465

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: 1244

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: 4734

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: 2381

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: 3915

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: 4608

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: 1642

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: 1642

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: 1312

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: 2236

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: 5481

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: 2804

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: 8633

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: 2014

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: 657

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: 3267

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: 1129

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: 1129

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: 886

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: 5091

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: 886

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: 5091

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: 2714

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: 886

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: 1840

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: 4755

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: 2568

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: 4755

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: 4755

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: 2667

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: 1280

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: 3277

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: 4128

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: 1182

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: 1182

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.

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