Search found 3525 matches

by Steelersfan
Sat Nov 10, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Fund Admiral Shares Question
Replies: 22
Views: 2424

Re: Vanguard Index Fund Admiral Shares Question

How old are you?

What other assets do you hold?

If this is for funding a retirement, what other income streams will you have in retirement?
by Steelersfan
Tue Nov 06, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14543

Re: How much money are you leaving your kids after you die?

They'll get it all and they know it. And it's likely to be quite a lot. They don't know how much (nor do I). I leave it to their imagination what "quite a lot " is.

I also gift them a nice amount each year. That's happened for the last ten years and will continue.
by Steelersfan
Mon Nov 05, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Antique Book Lovers; Tell me about 1st Editions
Replies: 3
Views: 482

Re: Antique Book Lovers; Tell me about 1st Editions

After watching many years of Antiques Roadshow I'm on expert on antique books :confused Condition makes a huge difference in what a book is worth. That's why you see so much variation in price. No one could tell you what your book might be worth without knowing it's condition, and the expertise to k...
by Steelersfan
Sat Nov 03, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation Program?
Replies: 18
Views: 1275

Re: Deferred Compensation Program?

I have been participating in a NQDC plan for the last 17 years and it has really helped me manage my tax situation. Currently I am 47 and plan retire in a few years. The attraction for me was being able to defer amounts much larger than the annual limits in 401(k)s and being able to get the money b...
by Steelersfan
Sat Nov 03, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation Program?
Replies: 18
Views: 1275

Re: Deferred Compensation Program?

What do the plan documents say if she leaves prior to reaching retirement age? Some plans pay it out in a single lump sum, which defeats the purpose of deferring payouts until retirement when you would pay less tax on the amount. Also, what do you expect your marginal tax rate to be in retirement? I...
by Steelersfan
Fri Nov 02, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: My Grandmother has 80% stocks
Replies: 55
Views: 5252

Re: My Grandmother has 80% stocks

Odds are, her beneficiaries are going to be very pleased with her decision.

As long as she has enough sources of income to support her lifestyle.
by Steelersfan
Fri Nov 02, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Engineering school
Replies: 66
Views: 4839

Re: Engineering school

I graduated in engineering and worked in IT for my entire career. This list seems about right to me. But as others have said, at the undergraduate level there are many good choices. This is only the top 12 but you can sign up (at a cost) to see the entire list. https://www.usnews.com/best-colleges/r...
by Steelersfan
Tue Oct 30, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Ancestry DNA changed my background
Replies: 32
Views: 4388

Re: Ancestry DNA changed my background

Another thing to remember about DNA is that you get 50% from each parent, but each child gets a different 50%, which explains height, appearance, hair color and many other differences that are apparent between siblings. So if you and all your siblings get tested, you will almost certainly get differ...
by Steelersfan
Mon Oct 29, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Ancestry DNA changed my background
Replies: 32
Views: 4388

Re: Ancestry DNA changed my background

And it will change again in the future when they get better targeting the right parts of the chromosomes and increase the number of person samples they get in their target populations. Most people seem to think their latest ethnicity test update is an improvement, but some with known backgrounds far...
by Steelersfan
Wed Oct 24, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Computer Speed upgrade devices
Replies: 10
Views: 602

Re: Computer Speed upgrade devices

It looks like in runs off a version of Linux that's installed on the flash drive connected through a USB port. It does not speed up your Windows apps.
by Steelersfan
Wed Oct 17, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplements
Replies: 9
Views: 1345

Re: Medicare Supplements

SHIP is an organization of volunteers and are not stating official state policy. What you got was one volunteer's opinion. States have different rules and laws so my experience does not apply in your state. I had a Medicare Advantage plan from a financially healthy company, then and now. They just d...
by Steelersfan
Sat Oct 13, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Transitioning to new platform
Replies: 8
Views: 1537

Re: Vanguard - Transitioning to new platform

You don't have to transition to the new brokerage platform if you don't want to. That's been true so far but could change at some (unknown) point in the future. BTW - I don't agree with some posters who say Vanguard has to get your consent to migrate you. They have so far, but again that could chan...
by Steelersfan
Fri Oct 12, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Water Coming from Ceiling...plumber or AC?
Replies: 7
Views: 787

Re: Water Coming from Ceiling...plumber or AC?

Give me his number. It took me two days to get a plumber to my place, then three more days to come back to complete the work. :D :oops:
by Steelersfan
Fri Oct 12, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Water Coming from Ceiling...plumber or AC?
Replies: 7
Views: 787

Re: Water Coming from Ceiling...plumber or AC?

Plumber. You may need to hire a handyman to redo the ceiling once the leak is fixed
by Steelersfan
Fri Oct 12, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship complimentary CFP services
Replies: 13
Views: 1483

Re: Vanguard Flagship complimentary CFP services

The web site still says they're available, but now they say through their PAS service: "Investing with Vanguard Flagship Services Exclusive benefits You'll also have access to these important benefits: Financial advice from a Certified Financial Planner™ professional through Vanguard Personal Adviso...
by Steelersfan
Fri Oct 12, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2802

Re: TV recommendation for my father

For sports especially HD is way better than SD. I have dinner at a friends house from time to time and he has a 30 inch SD TV. I can barely watch it after viewing sports on my 45" HD TV. I've got FIOS and only need one remote to power the TV and set top box on, and then key in the 3 digit channel to...
by Steelersfan
Thu Oct 11, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Lump sum instead of pension
Replies: 23
Views: 1270

Re: Lump sum instead of pension - a no brainer?

Too many things can happen in 25 years for a realistic analysis, most of them not in your favor. Take the lump sum.
by Steelersfan
Mon Oct 08, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Index vs. actively managed funds....is there a good tool to compare?
Replies: 24
Views: 1919

Re: Index vs. actively managed funds....is there a good tool to compare?

Did the T. Rowe Price comparison include consideration of how tax efficient their funds were? Actively managed funds typically through off more capital gains than index funds, which reduces your returns by whatever amount of tax you pay. That only matters if the funds are in your taxable account.
by Steelersfan
Sun Oct 07, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4694

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

I'm getting a pop up message every time I'm logging on recently, and it's sounding more urgent:


Important update needed for your account

We'll be retiring our old investment platform and, as a result, we're asking all our clients to transition to our new investment platform.
by Steelersfan
Fri Oct 05, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4694

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

Vanguard must be reading this board and seeing there's resistance to converting. I got the same message above when I logged in, the first time in at least a year. I just deleted it.
by Steelersfan
Wed Oct 03, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Signing up for medicare
Replies: 20
Views: 1169

Re: Signing up for medicare

Online, a couple of months ahead of time. Flawless and painless.
by Steelersfan
Wed Oct 03, 2018 5:56 am
Forum: Investing - Help with Personal Investments
Topic: Deferred comp contributions
Replies: 5
Views: 679

Re: Deferred comp contributions

Sounds good to me, I did something very similar. I was in the our plan a couple of years longer and got my payouts over just three years. I think it's wise to limit the number of years you're exposed to something bad happening to your company (and your money).
by Steelersfan
Mon Oct 01, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9530

Re: Suze Orman - "I hate the FIRE movement."

caffeperfavore wrote:
Mon Oct 01, 2018 10:52 am

Financial planning g̶u̶r̶u̶ shill hates movement that lessens demand for financial planning g̶u̶r̶u̶s̶ shills.

Shocking.
I fixed that for you. :D
by Steelersfan
Mon Oct 01, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4694

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

Yes, I am also a Flagship client and VG is not bothering me to convert and I doubt if they ever will. And if they do no big deal. Ditto I don’t recall them ever asking me to convert. I have not looked into the pros and cons and would likely want to take my time to understand it better. No “religiou...
by Steelersfan
Sun Sep 30, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?
Replies: 45
Views: 4694

Re: Can I Hold Off "Upgrading" to Vanguard Brokerage until 2019?

mpnret wrote:
Sun Sep 30, 2018 5:16 pm

Yes, I am also a Flagship client and VG is not bothering me to convert and I doubt if they ever will. And if they do no big deal.
Ditto
by Steelersfan
Sun Sep 30, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Fidelity Bets on Blockchain. What does this mean for us?
Replies: 7
Views: 1222

Re: Fidelity Bets on Blockchain. What does this mean for us?

You'll probably never notice, and if they find a use for it in their internal technology plumbing that's fine. Did you notice when they switched over from CICS to Websphere (if they did) to run their online system?

Artificial intelligence is way more relevant.
by Steelersfan
Sat Sep 29, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pension plan choice of annuity or cash payout
Replies: 27
Views: 2872

Re: Pension plan choice of annuity or cash payout

Will the cash buyout of $285,000 be given you as a taxable distribution, or can you roll it into an IRA?
by Steelersfan
Mon Sep 24, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care
Replies: 92
Views: 4835

Re: Long Term Care

I purchased a hybrid LTC policy from Lincoln Financial Group a few years ago. I am single and 70. I paid a one-time lump-sum premium. If I never use the policy, the premium that I paid becomes life insurance for my beneficiary. How much was the one time premium? That would be useful information to ...
by Steelersfan
Mon Sep 24, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9056

Re: Losing Passion for Hobbies. Cheap or normal aging?

Don't worry. If/when kids come along you'll find they become your hobby and provide ample opportunity to expand activities to fill your time and devote your energy. If not, it's perfectly normal to have lulls in extra activities. They come and they go, but if you're the type to enjoy them, you'll fi...
by Steelersfan
Mon Sep 24, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care
Replies: 92
Views: 4835

Re: Long Term Care

I've been retired for several years so have read all the posts on LTC here and have considered this question multiple times. I have half the number of people, half the assets, and half the annual retirement income, and I feel very comfortable self insuring. It is easier to make the decision to self...
by Steelersfan
Mon Sep 24, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care
Replies: 92
Views: 4835

Re: Long Term Care

I've been retired for several years so have read all the posts on LTC here and have considered this question multiple times. I have half the number of people, half the assets, and half the annual retirement income, and I feel very comfortable self insuring.
by Steelersfan
Sun Sep 23, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Career Question - Upper Mgmt Position
Replies: 5
Views: 1141

Re: Career Question - Upper Mgmt Position

I doubt if there's any way to answer your questions without knowing the culture of the organization and even the person you'd be reporting to. My situation was different in that I had a local boss, I didn't change positions, but my boss changed four times over the time I held that position. Two woul...
by Steelersfan
Sat Sep 22, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to fund education for grandchildren: various strategies? Help?
Replies: 23
Views: 1400

Re: How to fund education for grandchildren: various strategies? Help?

I gift to each of my children annually with the expectation that most or all of it will go into 529 plans for their children. Their states allow a state tax deduction (some do some don't) for 529 plan contributions so that's a bit of a bonus for them. I prefer that they control the 529 plans rather ...
by Steelersfan
Thu Sep 20, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8823

Re: Physical Banking - Any benefits anymore?

Medallion signature/signature guarantee/notary

Plus they have the closest ATM and it's within walking distance to where I live
by Steelersfan
Thu Sep 20, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 7024

Re: Don't trust Tripadvisor reviews

So it has always been. So it will always be.

I just disregard the worst reviews, the ones that are too glowing, and learn something useful from the rest.
by Steelersfan
Thu Sep 20, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3163

Re: HOA Donation in Remembrance of Deceased Owner

It appears these contributions have has been going on for a long time. I suggest the OP ask around and see if others share his opinion. Go the annual meeting and request a discussion among attendees. To put some context, let's image a 50 home association. Two people die per year (that's probably too...
by Steelersfan
Wed Sep 19, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11789

Re: Did you really have something to retire to?

No plan at all. But within a year or two I found it (actually several it's) and it's been great.
by Steelersfan
Wed Sep 19, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Can I really retire? Please check my math and poke holes.
Replies: 48
Views: 5866

Re: Can I really retire? Please check my math and poke holes.

I'd be careful about "I'm in the fortunate situation where health insurance costs are not likely to change much when I retire." . There are no protections that guarantee retiree health benefits can't be changed. If they do, it's highly likely they won't be to your benefit, and you've got 20 - 30 yea...
by Steelersfan
Wed Sep 19, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Visiting Vanguard Headquarters
Replies: 10
Views: 4552

Re: Visiting Vanguard Headquarters

Well this is an old thread but helped me. Wife and I are vacationing in the area and I wondered if the V had any kind of “factory tour”. I can’t find mention of one on google but found this thread. Guess we’ll just do Philly stuff. The "factory" would be a bunch of offices, cubicles and conference ...
by Steelersfan
Tue Sep 18, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25509

Re: What is your single most expensive mistake?

For twenty five years, starting with a mid 5 figure 401K that grew to a mid 6 figure 401K, thinking that an appropriate asset allocation to spread market risk should equally weight stocks, bonds and cash (money market). Even changing my monthly contributions from time to time to maintain that alloca...
by Steelersfan
Tue Sep 18, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Taking" RMDs
Replies: 18
Views: 1755

Re: "Taking" RMDs

A very recent thread on RMD's, with a link to another not quite as recent thread:

viewtopic.php?f=1&t=258741
by Steelersfan
Mon Sep 17, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3163

Re: HOA Donation in Remembrance of Deceased Owner

Out Bi-laws would permit it if we took a formal vote and recorded it in our minutes. If the member, serving on the board or not, had provided valuable service to the association it could be appropriate. On the other hand, we would never do it. We'd just request money from the current board members a...
by Steelersfan
Mon Sep 17, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Provding SSN for Estate Planning--Why?
Replies: 23
Views: 2069

Re: Provding SSN for Estate Planning--Why?

Leave it out for now, and when you meet with the attorney if s/he has a good reason for needing it you can fill it in then. There are scenarios where it would be helpful for the attorney to have your SSNs but if you refuse to provide it they’ll still prepare your estate plan. Asking doesn’t reflect...
by Steelersfan
Mon Sep 17, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Provding SSN for Estate Planning--Why?
Replies: 23
Views: 2069

Re: Provding SSN for Estate Planning--Why?

Leave it out for now, and when you meet with the attorney if s/he has a good reason for needing it you can fill it in then.
by Steelersfan
Sun Sep 16, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2503

Re: Rain Jacket recommendations and care

Cyclesafe wrote:
Sat Sep 15, 2018 10:49 pm
IMHO, jacket and fabric manufacturers unconscionably overpromise what has been achieved regarding waterproofness / breathability. What is waterproof is not breathable and vice versa.
I have a friend who leads hikes for the Sierra Club in Oregon (rain country). He says exactly the same thing.
by Steelersfan
Sun Sep 16, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Staying with the old platform Mutual Funds
Replies: 12
Views: 1263

Re: Staying with the old platform Mutual Funds

Years ago I used to get a request every 6 to 12 months to switch which I ignored. I haven't gotten one in a couple of years. I only have mutual funds and don't expect to ever have anything else. I used to work in IT supporting custody/securities systems and we had old and new systems. The thing abou...
by Steelersfan
Wed Sep 12, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 4088

Re: Vanguard is requiring cell phone security codes - problem for international travel

Better security inevitably comes with some inconvenience.

I think they've done a good job of avoiding that for most users.
by Steelersfan
Wed Sep 12, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3525

Re: Buying a house 1 mile away from a municipal landfill

Ask a couple of your potential neighbors what it's like today. If it's a problem now it's likely to get worse. If it's not a problem, read the other posts with interest. I had a house less than a mile from a municipal open air collection/compost area. It never bothered us, but other home owners who ...
by Steelersfan
Wed Sep 12, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 54
Views: 4021

Re: Durable Power of Attorney: Implementation Report

My informed opinion is that lawyers are grossly overselling the benefits of revocable living trusts. Caveat Emptor. Shakespeare was right about lawyers :? Bruce Steiner, perhaps our most knowledgeable poster on estate matters, has been saying that on this site for years, exempting just a few states.