Search found 3257 matches

by Steelersfan
Sun Jul 23, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare
Replies: 29
Views: 1666

Re: MAGI and Medicare

There is an appeal process that I will need to learn more about later this year, since our TY2016 numbers will exceed the MAGI limit and increase our part B & D premiums in 2018. As I understand the appeal process if you've stopped working and can demonstrate an income reduction, that may be th...
by Steelersfan
Sun Jul 23, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Flooring for rental condo
Replies: 5
Views: 643

Re: Flooring for rental condo

Our CC&Rs require at least 80% of the floor be covered by carpet if there's a unit below them. That means either wall to all or area rugs that come to about 18 inches from the walls. It definitely helps reduce noise if the upstairs neighbors have a dog that runs around or unit occupants who wear...
by Steelersfan
Sat Jul 22, 2017 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Simple Estate
Replies: 1
Views: 230

Re: Simple Estate

It depends entirely on the state where death occurred. This page might help you on the probate question:

http://www.nolo.com/legal-encyclopedia/probate-shortcuts-in-your-state-31020.html
by Steelersfan
Sat Jul 15, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Auto, renters, umbrella insurance quote/company comparision
Replies: 11
Views: 1002

Re: Auto, renters, umbrella insurance quote/company comparision

It might be helpful to page through the products on this site, which collects opinions from 10's of thousand of current policy holders. http://www.jdpower.com/ratings/industry/insurance Depending on where you live there are some excellent regional providers. I combined mine through Erie Insurance a ...
by Steelersfan
Sat Jul 15, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2163

Re: Outside Pittsburgh short trip ideas

Swimmer wrote:
I haven't heard the Kennywood thing n'at in a while, yunz guys. Lol.


This page could be useful if you're visiting da 'Burgh and want to speak like a local:

http://www.pennlive.com/life/2016/09/pittsburghese_talk_like_pittsb.html

I have no idea why you'd want to though.
by Steelersfan
Fri Jul 14, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Finance Q for those that have gone through Divorce
Replies: 36
Views: 2553

Re: Finance Q for those that have gone through Divorce

Every state is different, but in my equitable division state the norm is that child support is set by formula and spousal support (alimony) is 1/3 of the difference in incomes for 1/3 of the term of the marriage. Whatever is worked out by the parties, with or without advice of lawyers, is rubber sta...
by Steelersfan
Fri Jul 14, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6281

Re: Is it Safe to Get Your DNA Tested?

mnaspbh wrote: As others have observed, it's very likely you'll get different results if you get tested by different companies. When the tests disagree, what do you do with the results?


I've seen the results of quite a few ancestry tests. The results WILL differ, sometimes substantially so.
by Steelersfan
Fri Jul 14, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6281

Re: Is it Safe to Get Your DNA Tested?

What Ancestry.com told me was I am 39% Scandinavian, 30% Irish, 11% Italy/Greece, 8% British, and 5% both Iberian Peninsula and Western European, among other tidbits. Well, the Scandinavian part I can see since the Vikings were largely settled in the area I knew my ancestors were from. The last Vik...
by Steelersfan
Fri Jul 14, 2017 6:25 am
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6281

Re: Is it Safe to Get Your DNA Tested?

halfnine wrote:Is anyone aware of any of company abroad that does DNA testing? Preferably where one could do it anonymously.


To determine where your ancestors came from? Or medical testing?

What country do you live in, or where do you want to determine ancestry?
by Steelersfan
Thu Jul 13, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2163

Re: Outside Pittsburgh short trip ideas

prudent wrote:
TBillT wrote:Kennywood's open, of course :wink: .


I see what you did there. :D I did literally LOL.


Speaker yinzer much?????

lol
by Steelersfan
Wed Jul 12, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 6690

Re: Do you consider business travel to be a perk or a burden?

I found it mostly a perk, but I only traveled 4 - 6 times a year for a couple of days each time. I got to visit most of the major cities in the U.S. and sometimes could schedule the business days just before or after a week-end and a sympathetic boss let me stay week-ends with me only paying for hot...
by Steelersfan
Wed Jul 12, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: DNA question
Replies: 6
Views: 691

Re: DNA question

You can also transfer your DNA results (for free to some companies) and get them analyzed a second or third time. You WILL GET different results, because each company has different sample sets to compare against and examine different parts of your DNA to determine statistical matches. https://dna-ex...
by Steelersfan
Tue Jul 11, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2163

Re: Outside Pittsburgh short trip ideas

Agree with Falling Water and Ohiopyle. If you have specific interests let us know and we may be able to expand the list. For instance, if you like caves, or want to visit one to see if you would, Laurel Caves on the way: https://www.tripadvisor.com/Attraction_Review-g60812-d145768-Reviews-Laurel_Cav...
by Steelersfan
Tue Jul 11, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is This Always True Regarding Umbrella Policies?
Replies: 12
Views: 1012

Re: Is This Always True Regarding Umbrella Policies?

The surest way to get the definitive answer is to ask your two particular companies.
by Steelersfan
Tue Jul 11, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Condo association - Does the budget seem sound?
Replies: 14
Views: 1078

Re: Condo association - Does the budget seem sound?

As a former treasurer of an HOA, I repeat and emphasize what earlier posters have said: the important missing fact is the "percentage reserved" your HOA is. You should have received the last reserve study with your purchase documents; I'm assuming that your state laws require a periodic r...
by Steelersfan
Mon Jul 10, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Condo association - Does the budget seem sound?
Replies: 14
Views: 1078

Re: Condo association - Does the budget seem sound?

That seems reasonable but a couple of things would better help to determine that: 1. What services does the condo association supply, e.g. grounds maintenance, building maintenance (especially roofs), heating/lighting in common areas? 2. Are there any common facilities such as elevators, party rooms...
by Steelersfan
Sun Jul 09, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 56
Views: 4093

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. Some have said that when Plan F ceases to accept new clients, the existing clients will have an option to switch into other...
by Steelersfan
Thu Jul 06, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6281

Re: Is it Safe to Get Your DNA Tested?

I don't believe much in DNA testing for finding out where your ancestors came from so I won't get tested. I've got paper records centuries back into Europe to know anyway. I think it's "pretty safe", but if you want to get a couple of other opinions you should read these articles. Quick su...
by Steelersfan
Wed Jul 05, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent Contribution to 529
Replies: 19
Views: 1605

Re: Grandparent Contribution to 529

Check out if the state you or your child is living in make 529 contributions tax deductible. Some state so, some don't. Mine doesn't, but one of my sons lives in a state that does. I gift him him an amount each year hoping (expecting) that he puts in into a 529 for his kids. I have no say on what he...
by Steelersfan
Tue Jul 04, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 10865

Re: What do you splurge on?

Travel.

A new car every 15 years.

That's about it.
by Steelersfan
Mon Jul 03, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Temporary Internal Promotion - Increased Compensation?
Replies: 73
Views: 4144

Re: Temporary Internal Promotion - Increased Compensation?

The last years I worked in Megacorp when you got a (permanent) promotion to a new position you got no raise and just put into a higher salary bracket, where you might qualify for a larger than normal raise in your next review. A temporary move - nothing except the exposure and experience (which can ...
by Steelersfan
Sun Jul 02, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Best Hotel Pool for Kids in Northern California
Replies: 7
Views: 823

Re: Best Hotel Pool for Kids in Northern California

Where in Northern California? Northern California is larger in size than most entire states.
by Steelersfan
Sun Jul 02, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 3933

Re: Anyone else got all their eggs in only the Vanguard basket?

Right. I am NOT trying to point to VG as an issue: simply that one needs to look into diversification (if desired) at 3 levels: brokerage, fund family, custodian bank. One should not tolerate a single point of failure. I have no idea what is the legal construct of Vanguard U.K (is it a subsidiary o...
by Steelersfan
Sat Jul 01, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 3933

Re: Anyone else got all their eggs in only the Vanguard basket?

"All eggs in one basket" question is too simplistic. You need to differentiate between a brokerage company (say Vanguard or Fidelity or whatever), the mutual funds/ETF (Vanguard World stock or Ishares US total stocks or whatever) and the custodian bank of the assets (JP Morgan or Bank of ...
by Steelersfan
Sat Jul 01, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 3933

Re: Anyone else got all their eggs in only the Vanguard basket?

Except for one bank account, one CD and a Treasury Direct account for I-bonds, everything is at Vanguard. That makes it 96% at Vanguard.
by Steelersfan
Thu Jun 29, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 138
Views: 13405

Re: Vanguard upgraded my accounts - angry

A curiosity question.

If you want to remain on a system like Vanguard's that only deals with mutual funds and is separate from a brokerage account, what financial firms can you look at to see if you like it better?
by Steelersfan
Wed Jun 28, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: New child - what type of accounts to open?
Replies: 8
Views: 673

Re: New child - what type of accounts to open?

As a grand parent I gift each of my children with young kids an amount each year. I've mentioned to them that they might use it to fund 529 Accounts for their kids. I have no control whether they do or not, but I believe they do. Just another option to consider if you're wanting to fund a future col...
by Steelersfan
Tue Jun 27, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Compelling Beneficiaries to Respond - Trust
Replies: 14
Views: 1108

Re: Compelling Beneficiaries to Respond - Trust

RadAudit wrote:
Jack FFR1846 wrote: Perhaps do a little digging, find their current phone, email, facebook contact info and get in touch to let them know that this isn't some scam.


Ancestry.com?


Ancestry won't have anything on living persons, except their information from the 1940 census if they were alive at that time.
by Steelersfan
Sun Jun 25, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Alaska Cruise
Replies: 5
Views: 655

Re: Alaska Cruise

Expert reviews of the cruise line and their ships plus hundreds of reviews by people who have cruised with them

http://www.cruisecritic.com/reviews/cruiseline.cfm?CruiseLineID=35
by Steelersfan
Sun Jun 18, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to Access POA in Revocable Trust
Replies: 30
Views: 1888

Re: Unable to Access POA in Revocable Trust

If the bank had no knowledge it had been named POA it's understandable they would proceed with caution and not start paying bills immediately under the direction of someone they didn't know. Did the deceased have a relationship with the bank estate department? Did the bank estate department even kno...
by Steelersfan
Sat Jun 17, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17654

Re: Siblings in disagreement over mom's house.

Gift your share to a charity and let them force the sale. If you "gift" it to a charity it would actually be a tax deductible donation and would result in tax savings. That's a good thing. But I think it would be very hard to find a charity who would be willing to step into a situation li...
by Steelersfan
Sun Jun 11, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: medicare premium amount
Replies: 37
Views: 2390

Re: medicare premium amount

You can apply to have the IMRR recalculated/reduced when or if you or your spouse stop working or your income is reduced to the next lowest income tier. Otherwise, you will have to wait for SSA to adjust it downward based on your future lower-MAGI tax return. You will need to verify your new income...
by Steelersfan
Thu Jun 01, 2017 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market? :Bonds in rising interest rate environment
Replies: 22
Views: 2175

Re: Timing the market? :Bonds in rising interest rate environment

Good Listener wrote:I only know that everybody is talking about a rising rate market...as they've done for the last 10 years.


And those that have talked that way have missed out on good returns for bonds.

Trying to predict future bond yields has driven a lot of smart people onto the shoals of despair.
by Steelersfan
Tue May 30, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 3305

Re: Umbrella Insurance options

When I decided to get umbrella insurance I went to the two companies I dealt with, one for home and the other for auto. I got quotes from both and picked the one who was a little cheaper. You'll probably want to, maybe have to, use the same company for your auto and/or home insurance. At least you'...
by Steelersfan
Tue May 30, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 3305

Re: Umbrella Insurance options

When I decided to get umbrella insurance I went to the two companies I dealt with, one for home and the other for auto. I got quotes from both and picked the one who was a little cheaper. You'll probably want to, maybe have to, use the same company for your auto and/or home insurance. At least you'l...
by Steelersfan
Sat May 27, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Private Pension Cuts
Replies: 30
Views: 4061

Re: Private Pension Cuts

Also, I remember when IBM moved to "cash balance" plans and there were big cuts in benefits for current employees. When IBM went to the cash balance plan there was a substantial reduction in future retirement benefits for most (but not all) employees. No retired employee was affected. The...
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: 287

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: 2888

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: 1894

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: 230
Views: 37792

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: 2888

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: 15626

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: 950

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: 966

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: 966

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: 5213

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: 1493

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: 56
Views: 4093

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.

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