Search found 3026 matches

by Steelersfan
Mon May 02, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Medicare help!
Replies: 20
Views: 1433

Re: Medicare help!

Prepare to be confused/overwhelmed by the alternatives and the lack of good, unbiased information that fits your specific situation.

There's lots of good general information that's useful, but the insurance offerings are quite different by state and sometimes within a state.
by Steelersfan
Sun May 01, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: 500 vs. Total Stock Market Index
Replies: 11
Views: 1070

Re: 500 vs. Total Stock Market Index

Total Stock Market is a bit better but their performance tracks very close to each other.

I've tax loss harvested between the two in the past.
by Steelersfan
Mon Apr 25, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 3946

Re: Pros/Cons of Condo Living?

Picking up on something ladders11 said, you should try to find out how many units in the association are owner-occupied and are likely to stay that way. Mortgage lenders may shy away from associations where over half of the units are rentals. This might not be a problem when you’re buying, but it c...
by Steelersfan
Mon Apr 25, 2016 6:16 am
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 3946

Re: Pros/Cons of Condo Living?

Thank you! How often do common wall maintenance issues or similar arise, and how are these resolved? Say a leak caused by Unit A that requires going into Unit B and doing maintenance work there to fix? That's going to depend on the age, construction quality how well the building has been maintained...
by Steelersfan
Sun Apr 24, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 3946

Re: Pros/Cons of Condo Living?

I live in and am a board member in our 44 unit condo. It's been a very positive experience and I really enjoy not doing yard work and exterior maintenance. The first thing to do is check for any rental restrictions. Many condos have none, many do, and they can be more or less restrictive. Ours has t...
by Steelersfan
Sat Apr 23, 2016 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Million? [Will I get there]
Replies: 41
Views: 5115

Re: Million? [Will I get there]

How much will you contribute to your 401K each year?

That's more important than small changes to your asset allocation.
by Steelersfan
Fri Apr 22, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Income AMount
Replies: 10
Views: 1607

Re: Retirement Income AMount

I could.

You may or may not, depending on your lifestyle choices.
by Steelersfan
Fri Apr 22, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Financial Plan Provision for Flagship Customers Discontinued?
Replies: 22
Views: 2211

Re: Annual Financial Plan Provision for Flagship Customers Discontinued?

The personal representative service may be gone but when I log onto my account I still have named Flagship Representative with his name and phone number.

I've never used him since I think I get better advice when I post here.

So if he went away I wouldn't miss that either.
by Steelersfan
Tue Apr 19, 2016 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect kids from losing inheritance in case of a divorce
Replies: 29
Views: 3879

Re: How to protect kids from losing inheritance in case of a divorce

In California, inheritances are considered the sole property of the spouse inheriting the assets. There are 49 other states in the union that your kid (or their spouse after a separation) could move to.:) Actually I think it's true that most (but certainly not all) other states consider it separate...
by Steelersfan
Sat Apr 16, 2016 4:02 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 1669

Re: Where to buy part F Medicare?

Be aware that AARP's rates are discounted by 30% the first year and increase 3% for each of the next ten years, added to any other changes (up or down) that their rates might incur. What looks cheap today might not be so cheap in the future. At that point you would have to undergo medical underwriti...
by Steelersfan
Thu Apr 14, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: NQDC
Replies: 6
Views: 517

Re: NQDC

Not only do they come in many flavors, but there were regulations changed a number of years ago that put serious restrictions on the changes you can make to your choices for future distribution elections. You can maybe stretch them, out but can't make them happen faster. As far as I know, you still ...
by Steelersfan
Tue Apr 12, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: NQDC
Replies: 6
Views: 517

Re: NQDC

As stated, check the documents. For the NQDC plan I was in, if I had left the company before retirement the entire amount would have been distributed as income in one year, no way around it, no way to save on taxes. I had been with the company well over ten years. If I had been terminated, my payrol...
by Steelersfan
Mon Apr 11, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4221

Re: IRS cashed unsigned check

With the rise in depositing checks at ATMs, I've noticed that they strictly honor the numerical amount field, and not the written amount. That's because those checks usually bypass the branch tellers and are processed by an electronic optical reader in the main office that locates the box with the ...
by Steelersfan
Thu Apr 07, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4221

Re: IRS cashed unsigned check

It's doubtful any bank person looks at the signature on a check these days unless it's a REALLY large amount, unless you're cashing it in a branch. A person at the IRS might, but if everything else checks out I doubt if they care, and know it's something that happens to them thousands of times a day.
by Steelersfan
Wed Apr 06, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fee for setting up trusts
Replies: 11
Views: 728

Re: Fee for setting up trusts

On principal, I would never choose a firm who's method of soliciting clients is to pay for 50 dinners and hope to get one or two serious prospects out of it.
by Steelersfan
Wed Apr 06, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Out of state wills and trusts
Replies: 10
Views: 686

Re: Out of state wills and trusts

At least in my state, and I believe other states as well, there's no registering of a will. I keep the original in my (mostly) fireproof safe. The lawyer who wrote it has a copy as does my future executor. Could my lawyer find it if he had the original? I'm not sure. Probably. He changes law firms e...
by Steelersfan
Tue Apr 05, 2016 5:22 pm
Forum: Personal Consumer Issues
Topic: Paying for kid's graduate school?
Replies: 49
Views: 3423

Re: Paying for kid's graduate school?

I'd be inclined to help with his Masters and send him to the better school as long as you are satisfied it's really that much better and that his chances of success are real. That last part is probably hard for a parent to figure out. Music is such a competitive field that any edge would be worth it...
by Steelersfan
Tue Apr 05, 2016 4:42 pm
Forum: Investing - Theory, News & General
Topic: Tony Robbins Joins Advisory Firm
Replies: 27
Views: 3275

Re: Tony Robbins Joins Advisory Firm

For someone who doesn't know the All Weather Portfolio (I didn't), here's a description and how it back tested over two different time frames.

http://awealthofcommonsense.com/2014/11/back-testing-tony-robbins-weather-portfolio/
by Steelersfan
Tue Apr 05, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 5708

Re: Genealogy

Men lie about their ages for other reasons. Two I've seen: On draft registrations, to make themselves older so they can sign up, or make themselves older so they can evade it. If they are much older than their wives, to escape a sigma that might be associated with such an age difference, by making t...
by Steelersfan
Tue Apr 05, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 5708

Re: Genealogy

Did I mention this here? If you are in the Midwest, the Allen County Public Library in Fort Wayne, Indiana is a remarkable genealogy resource. Well worth a visit in person. http://www.genealogycenter.org/ IMHO, their curated collection surpasses what you will find at the Library of Congress, and pe...
by Steelersfan
Tue Apr 05, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 5708

Re: Genealogy

Ancestry.com is expensive, more so if you want "world" access which includes Britain, Europe, etc. You may be able to get access at libraries, LDS Family History Centers, etc. They often offer "free" or low-cost access for a limited period. They may also have a 30-day free trial...
by Steelersfan
Mon Apr 04, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare is primary
Replies: 10
Views: 815

Re: Medicare is primary

I was in a Medicare Advantage plan and when it got canceled by the insurance company (they weren't making enough money on it) I switched to a Medigap plan, which was guaranteed without medical underwriting for that reason. In most states, unless the company decides to cancel the plan, you have to pa...
by Steelersfan
Mon Apr 04, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare is primary
Replies: 10
Views: 815

Re: Medicare is primary

I've been on Medicare for several years, have had no significant medical issues, and so far I would have saved money not getting a Medigap plan. But what does the future hold? I, nor anyone else, can know. What I know, if something does develop, my chances of passing underwriting at that time are no...
by Steelersfan
Sun Apr 03, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: becoming your own accountant
Replies: 18
Views: 1460

Re: becoming your own accountant

I agree that accounting is tough. I did my taxes by hand for 30 years then went to TaxAct and never looked back. I understand finance, budgeting and investments, but double entry bookkeeping (accounting) is another world. I read basic accounting book and that helped but didn't get me over the hump. ...
by Steelersfan
Sat Apr 02, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 44
Views: 4088

Re: Best DNA genealogy testing kits

I just sent off a sample to 23andme. I am confused by the comments here that say that 23andme no longer includes health information. Health information is part of the fee that I paid. Didn't they negotiate with the FDA and rework the tests so that they're compliant now? Yes they did and yes, they a...
by Steelersfan
Thu Mar 31, 2016 7:40 am
Forum: Investing - Theory, News & General
Topic: What if your money in Vanguard disappeared one day??
Replies: 44
Views: 6005

Re: What if your money in Vanguard disappeared one day??

Vanguard doesn't hold the securities in their funds, custody banks do. And Vanguard uses multiple custodians, so all of them would have to disappear at the same time for your funds to disappear. From "Your security is a top priority for us": Will Vanguard fund investments be in jeopardy if...
by Steelersfan
Mon Mar 28, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Incompatibilities with Windows 10/MSFT Edge
Replies: 11
Views: 648

Re: Incompatibilities with Windows 10/MSFT Edge

Another person who tried Edge, installed Chrome and have been happy ever since.

I also installed a copy of IE and use it from time to time if Chrome doesn't handle something. It's rare but it happens.
by Steelersfan
Mon Mar 28, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Living in Pittsburgh
Replies: 70
Views: 5073

Re: Living in Pittsburgh

I'll repeat a recommendation I made before. Go to this board:

http://www.city-data.com/forum/pittsburgh/

It's one of the more active such boards around, and your question gets asked regularly.
by Steelersfan
Mon Mar 28, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Strength of Pension Plan
Replies: 7
Views: 814

Re: Strength of Pension Plan

You should be getting an annual statement of how well is your pension funded. I get mine in the May time frame as of the end of the previous year. They don't usually change much from year to year. Check yours out. If you don't have one, ask your HR department for a copy. I believe federal law requir...
by Steelersfan
Sat Mar 26, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57694

Re: Free Windows 10 Upgrade, Yes or No?

I've actually had a relatively positive experience with Windows 10, in that nothing much has changed. I upgraded about 6 months ago after I read that a million or so PC's had completed the upgrade. I've got a two year old PC and was running Windows 7. The only peripheral I have is a two year old HP ...
by Steelersfan
Thu Mar 24, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: How much does a CFP earn from IRA/Mutual Fund Fees?
Replies: 13
Views: 876

Re: How much does a CFP earn from IRA/Mutual Fund Fees?

Ok, then they are not C shares, but are they A shares or B shares? Yep. All A shares. Ok, then your wife paid about $2600 in commissions. Now they are paid, so no more commissions unless he switches funds. Paul Actually as long as he switches from one American fund to another, there's no additional...
by Steelersfan
Thu Mar 24, 2016 8:09 pm
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5361

Re: Europe Trip in August

If you can push it back to September or October the weather will be cooler, the crowds less, more restaurants will be open (at least in France), and it will be cheaper.
by Steelersfan
Thu Mar 24, 2016 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: How much does a CFP earn from IRA/Mutual Fund Fees?
Replies: 13
Views: 876

Re: How much does a CFP earn from IRA/Mutual Fund Fees?

If it adds anything to the equation, when I moved my low six figure American Fund investment to Vanguard the FP didn't even bother to call to try to talk me out of it, thank me for the business, or invite me to come back anytime. Either the pain he felt was so small it didn't matter, or he knew it w...
by Steelersfan
Thu Mar 24, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: How much does a CFP earn from IRA/Mutual Fund Fees?
Replies: 13
Views: 876

Re: How much does a CFP earn from IRA/Mutual Fund Fees?

However the broker was being paid, it was either out of the fund ER or my FP's .25% commission. Maybe a percentage of any loads I paid went to the broker too.
by Steelersfan
Thu Mar 24, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: How much does a CFP earn from IRA/Mutual Fund Fees?
Replies: 13
Views: 876

Re: How much does a CFP earn from IRA/Mutual Fund Fees?

I don't know how much of the load for initial or follow-on investments they get, but for an account that just sits and reinvests dividends (no load on those) they get .25% of the balance each year, paid quarterly I think. It comes out of the .6% to .7% total ER of the fund. So if a person has $100,0...
by Steelersfan
Thu Mar 24, 2016 6:10 am
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 44
Views: 4088

Re: Best DNA genealogy testing kits

Pyrite wrote:
derosa wrote: Mitochondrial test can only be taken by females.


Everyone has mitochondria, so males can do the mitochondrial test; it will only give information about the female line of descent.


Good clarification. Thanks.
by Steelersfan
Wed Mar 23, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Improving Employee Morale
Replies: 44
Views: 3597

Re: Improving Employee Morale

Lots of good suggestions. One more:

Treat them fairly in compensation and job assignments to the extent you have the ability to do so.

Give the ones who contribute the most to the work environment (volume, quality plus attitude) as many rewards as you can.
by Steelersfan
Wed Mar 23, 2016 8:07 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 44
Views: 4088

Re: Best DNA genealogy testing kits

Just to add to what derosa said. yDNA only tests the strictly male line, no intervening females allowed. Ditto mtDNA for females, but reversed. if you're doing the autosomal test it's likely best to use your oldest direct ancestor in the line you're interested in. They're more likely to catch close ...
by Steelersfan
Tue Mar 22, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Best DNA genealogy testing kits
Replies: 44
Views: 4088

Re: Best DNA genealogy testing kits

Someone else already mentioned it but I will say it again. As a long time Ancestry.com subscriber, there is more junk family trees out there than good ones. People get so addicted to clicking leafs that advance their tree back another generation, that they never put in the work to verify it. I actu...
by Steelersfan
Mon Mar 21, 2016 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise, Performance
Replies: 8
Views: 677

Re: Ameriprise, Performance

If you aren't adding new money you aren't paying any loads since reinvested dividends don't incur the load. You may or may not be paying an adviser fees so check that out. For the American Funds I owned, the adviser got .25% of the regular fees charged by the fund and nothing extra. The rest went to...
by Steelersfan
Sun Mar 20, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Account Aggregation tools?
Replies: 14
Views: 889

Re: Account Aggregation tools?

As stated above, I enter the information from outside investments manually (this includes Treasury Direct), do this once a month or less, and the number is close enough. This, combined with Vanguard's Portfolio Analyzer, given me enough. I have never tracked return, just watched the total grow over...
by Steelersfan
Sat Mar 19, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10065

Re: Early Retirees - What triggered you to retire?

I was pretty ready anyhow and my financial situation was well in hand. The large company I worked for decided to merge with another large company. It was called a merger of equals, but we were a nice Midwestern firm and the other company was New York City based and was clearly a bit "more equal...
by Steelersfan
Wed Mar 16, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Income dropped, Medicare costs should as well:
Replies: 14
Views: 1494

Re: Income dropped, Medicare costs should as well:

I have not heard of any case where a simple increase in income like selling a home or stock in one year which resulted in an increase in IRMAA 2 yrs later could be mitigated by an expedited decrease in IRMAA the same year as the increase. I thought it had to work its way through the system by itsel...
by Steelersfan
Wed Mar 16, 2016 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Income dropped, Medicare costs should as well:
Replies: 14
Views: 1494

Re: Income dropped, Medicare costs should as well:

I had a drop in come due to the end of a company income stream after I retired. It was clearly documented that the steam had ended. I took that to my local SS office, submitted the paperwork and got an affirmation within weeks. I got the extra money I paid in the first month or two back, but don't r...
by Steelersfan
Tue Mar 15, 2016 6:02 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 154
Views: 10981

Re: How have your homes as investments done?

House worth 60% more than what I paid for it 13 years ago.

Mortgage payments plus maintenance are a little less what I would have paid in rent each year.

There may be better investments but there are way worse too.
by Steelersfan
Mon Mar 14, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: ISO Medigap Transparency Strategies
Replies: 4
Views: 372

Re: ISO Medigap Transparency Strategies

The entire Medigap financial decision is in itself complicated, then the lack of good, unbiased information makes it all the more challenging. Lots of plans, lots of companies, companies stop offering plans, rates change yearly.

:oops:
by Steelersfan
Fri Mar 11, 2016 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: How Are Investment Gains Treated in Divorce?
Replies: 9
Views: 1060

Re: How Are Investment Gains Treated in Divorce?

JoinToday wrote:I think it also matters who paid income tax on the dividends of separate account.



It didn't matter in my state, although as has been said multiple times in this thread, other states might interpret it differently.
by Steelersfan
Fri Mar 11, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: How Are Investment Gains Treated in Divorce?
Replies: 9
Views: 1060

Re: How Are Investment Gains Treated in Divorce?

I agree state law is what matters.

In my state, as long as the account was always held solely in the individual's name, the $150,000 would be his/hers alone.
by Steelersfan
Fri Mar 11, 2016 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance diverted to me in order to support mother
Replies: 25
Views: 3195

Re: Inheritance diverted to me in order to support mother

Make some provision in case you die or become incapacitated before your mother does. Is there a tax on inheritances? It has been awhile since I dealt with this but I thought not? Maybe you mean the estate tax? Fifteen states and the District of Columbia have an estate tax, and six states have an in...

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