Search found 3202 matches

by Steelersfan
Sat Apr 22, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 20
Views: 1069

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: 44
Views: 4795

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: 98
Views: 12766

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: 3596

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: 3624

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: 2712

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: 2121

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: 797

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: 1889

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: 3272

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: 20
Views: 2350

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: 3272

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: 1121

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: 2016

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: 424

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: 843

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: 424

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: 2112

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: 745

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: 2112

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: 757

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: 4714

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: 1595

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: 720

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: 1836

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: 1836

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: 2940

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: 2224

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: 1363

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: 687

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: 2290

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: 1602

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...
by Steelersfan
Sat Feb 04, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 51
Views: 5599

Re: All in VANGUARD is that ok??

I agree with what you wrote, although I don't understand why it was done that way. Relevant to this discussion and how important custodian banks are since they are really the ones that hold your securities, not Vanguard. I found this: "Custodians. State Street Bank and Trust Company, One Lincol...
by Steelersfan
Sat Feb 04, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 51
Views: 5599

Re: All in VANGUARD is that ok??

From an organization and governance standpoint, it's "the Vanguard Group " and each mutual fund is legally a separate business (or is it just the families of funds with names like "Vanguard Charlotte Funds" and "Vanguard Star Funds?" Not sure, but, anyway, there's more...
by Steelersfan
Thu Feb 02, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: End of day Vanguard Fund NAV changes
Replies: 4
Views: 485

Re: End of day Vanguard Fund NAV changes

They're updated at 6:00 PM, or a few minutes after that if processing prices from their pricing vendors come in late or there's a snag in getting them processed.
by Steelersfan
Mon Jan 30, 2017 5:29 am
Forum: Personal Consumer Issues
Topic: Anyone experiencing issue with the downloaded version of Taxact?
Replies: 2
Views: 408

Re: Anyone experiencing issue with the downloaded version of Taxact?

Eurookat wrote:Getting the following error when I attempt to use the "Q&A" functionality. The form works fine but I'd rather go through the questionnaire.

http://imgur.com/a/rU6Hr


Nope - I've been using my downloaded copy the past few days in Q&A mode.
by Steelersfan
Sat Jan 28, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Calculating Net Worth
Replies: 20
Views: 3087

Re: Calculating Net Worth

While it may be a symptom of a meddling board, it could just as easily be a symptom of a condo with a history of a lot of units that aren't paying their assessments. In the end that ends up with a financial burden on the units who are paying. I'd be very wary of such a condo and do tons of research ...
by Steelersfan
Sat Jan 28, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Calculating Net Worth
Replies: 20
Views: 3087

Re: Calculating Net Worth

I live in a condo and am on the board. We don't require any such thing and I would not give them anything in detail; maybe something like "Net worth in excess of $xxx,xxx. And be conservative. If they push you on it, have them show you where in their constitution or bi-laws such a requirement e...
by Steelersfan
Fri Jan 27, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Info about State Street S&P 500® Index Securities Lending Series Fund - Class IX ?
Replies: 8
Views: 851

Re: Info about State Street S&P 500® Index Securities Lending Series Fund - Class IX ?

Thanks for the info. This was helpful. Now, I know they are not a publicly traded security. How do I check the gain/loss of the money invested in this fund ? ADP just shows me the final amount. P.S. My 401k plan provides all the options with high expense ratios. You have to rely on whatever informa...
by Steelersfan
Fri Jan 27, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 63
Views: 4152

Re: Verizon to Cricket or StraightTalk

How do you know if your Verizon phone is locked or unlocked, and if it's locked, how do you get it unlocked?
by Steelersfan
Fri Jan 27, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 51
Views: 5599

Re: All in VANGUARD is that ok??

Except for one CD at a local bank and a few I-Bonds at Treasury Direct everything is at Vanguard. That's 95% of my portfolio. I moved the last non-Vanguard fund to Vanguard two years ago.
by Steelersfan
Wed Jan 25, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 39
Views: 4622

Re: best way to buy TaxAct

As you look at these "deals", make sure you know whether you're getting a software download to your PC and keeping your tax data private on your PC, or using that service's online version where they retain all your tax data. The later are cheaper. Some of us care a lot, many of us don't ca...
by Steelersfan
Wed Jan 25, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: ACH problem with Vanguard
Replies: 15
Views: 2052

Re: ACH problem with Vanguard

I'd like to thank everyone for their responses. Fortunately this story ended well. Vanguard provided me with a second transaction number, and Alliant was able to find the money and credit my account correctly. I have no insight into why this happened, but making sure you quickly get the (correct) t...
by Steelersfan
Wed Jan 25, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: best way to buy TaxAct
Replies: 39
Views: 4622

Re: best way to buy TaxAct

Here's a deal: https://www.taxact.com/applications/file-with-us/?sc=1609762151002&utm_source=CJ&utm_medium=affilliate&product=all&pub=anyperk&promo=SD50&mpch=ads Premium Federal and State E-filed: $27.50 Make sure you scroll down and click on the one you want to get the deal...
by Steelersfan
Tue Jan 24, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 2158

Re: Amazon Phishing Email after Order

verbose wrote:
One recent phishing email gave me a chuckle. The email said there was a problem and so Amazon had "cancelled all the recently ordered stuffs." :P


Cleverly targeted phish. They're going after the people who order "stuffs" from Amazon. :oops:
by Steelersfan
Tue Jan 24, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 2158

Re: Amazon Phishing Email after Order

I order things from Amazon a few times a year and have never gotten one of those, either that got through or caught by gmail's spam filter. I ordered something early this month - same thing. Could your email account have been compromised? Not to change the topic, but I would have thought you'd have...
by Steelersfan
Mon Jan 23, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Amazon Phishing Email after Order
Replies: 16
Views: 2158

Re: Amazon Phishing Email after Order

I order things from Amazon a few times a year and have never gotten one of those, either that got through or caught by gmail's spam filter. I ordered something early this month - same thing.

Could your email account have been compromised?

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