Search found 3333 matches

by Steelersfan
Fri Dec 15, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 4405

Re: Wow. Just Wow.

** Was it based on readers voting? ** Good question. "Our readers nominate and vote for their favorite businesses, venues ..." In my area two hospital chains dominate and doctors typically align with one or the other. They are of comparable quality but one is somewhat larger and much more aggressiv...
by Steelersfan
Thu Dec 14, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 56
Views: 4738

Re: State Farm Insurance, Time to Leave

Just a follow-up to my previous post where I said I switched from State Farm to Erie. When I got quotes for a bundle of all my insurance the rates were almost identical. I chose Erie because I had them for one policy and State Farm for the other. I just liked the Erie agent a little bit better. It w...
by Steelersfan
Thu Dec 14, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: How to find a good realtor that negotiates well
Replies: 21
Views: 1214

Re: How to find a good realtor that negotiates well

A three minute video on what motivates a real estate agent.

https://www.youtube.com/watch?v=n0rV3ydBhUw

They're not motivated to negotiate (that takes time) - they're motivated to make the sale as quickly as possible.
by Steelersfan
Tue Dec 12, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 56
Views: 4738

Re: State Farm Insurance, Time to Leave

I am in the same situation with SF. Sick of the double digit increases with NO claims each year. But I have 5 vehicles (one is an RV), umbrella liability policy and home owners with them with a discount from having all the policies with SF. So if I switch I assume I will want to switch all of them ...
by Steelersfan
Tue Dec 12, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 68
Views: 4585

Re: Ancestry / 23andMe

FamilyTreeMaker, which used to be an Ancestry product, is now taken over by an independent software developer. It still allows tree-syncing. I use Family Historian. The new owner of FamilyTreeMaker upped the price so I don't think it's price competitive any more. There are other good ones and I'd a...
by Steelersfan
Tue Dec 05, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11167

Re: After financial independence, do you lose motivation for work?

FI didn't change my motivation to work. I continued to love what I did even though I was clearly FI. But management changed at the place I worked and work wasn't enjoyable any more. FI made is easy for me to say good-bye.
by Steelersfan
Sun Nov 26, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 4898

Re: if you could use only 1 investment firm...

I used to have three - Vanguard, Treasury Direct and whatever brokerage my adviser used for an American Fund I had. Over the last four years I've gotten down to one - Vanguard. But I'm solely in mutual funds and only do a trade every few years when I rebalance or withdraw money from Vanguard to buy ...
by Steelersfan
Fri Nov 24, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Geneology: finding the house a dead relative lived in.
Replies: 14
Views: 1202

Re: Geneology: finding the house a dead relative lived in.

If you know the State and County, I would also post the query on it the respective board at Rootsweb that is hosted by Ancestry.com http://boards.rootsweb.com/localities.northam.usa.states/mb.ashx The rootsweb boards are pretty dead these days and may not get any attention. All the action is on Fac...
by Steelersfan
Sun Nov 19, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 19
Views: 1614

Re: HelloFresh meal boxes - disputing credit card charge

I did the promotional meal box and it was clear to me that I needed to act by a certain date or my service would be continued and my credit card would be charged. I prepared and ate the free meal, decided that I was not interested in the service and canceled ASAP. I got no charge on my credit card a...
by Steelersfan
Thu Nov 16, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin: Significance of 12 transactions per second?
Replies: 28
Views: 3243

Re: Bitcoin: Significance of 12 transactions per second?

Just wondering if anyone has a good understanding of the significance of the 12 transactions per second thing announced about Bitcoin recently? Is it true? Does this mean Bitcoin can't scale? Can Bitcoin Cash scale? At 12 transactions a second it will never support consumer type scale. If everyone ...
by Steelersfan
Fri Nov 10, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2396

Re: 450,000 American Airlines gifted to me - how to book

If you decide that gifting the shares is the way to go, AA has a "sale" going on through the end of the month that saves 30% up to 50,000 miles.

https://buymiles.americanairlines.com/e ... S_TRANSFER
by Steelersfan
Fri Nov 10, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Inactive accounts closed?
Replies: 30
Views: 2289

Re: Inactive accounts closed?

Citibank closed a credit card account that had become my back-up card after 30 years as my primary account. I hadn't used it in several years. When I called them to tell about some upcoming foreign travel they said the account had been closed, without any notice to me.
by Steelersfan
Thu Nov 02, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is Probate Required if You Fail to Include Everything in Trust, and if so what's probated
Replies: 16
Views: 1680

Re: Is Probate Required if You Fail to Include Everything in Trust, and if so what's probated

JBTX wrote:
Thu Nov 02, 2017 7:08 pm

I was kind of shocked at the fairly low fees given how often we are told that we should turn the world upside down to avoid probate.
Fake advertising, for most people in most states.

But it generates a lot of business (fees/income) for those still pushing that notion.
by Steelersfan
Thu Nov 02, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Robert Prechter, Elliott Wave theorist, Fox Business today
Replies: 24
Views: 1879

Re: Robert Prechter, Elliott Wave theorist, Fox Business today

Neil Cavuto had Robert Prechter on Fox Business today (yeah, I know, "financial porn"). Anyway, he's predicting a big recession using his Elliott Wave theory... Thoughts? As a special favor to you, I will tonight gut an owl and read its entrails. You'll know by tomorrow what I found out about the f...
by Steelersfan
Wed Nov 01, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. benchmark on American Funds website?
Replies: 25
Views: 1315

Re: American Funds vs. benchmark on American Funds website?

You will struggle with this. Many American Funds have outperformed their benchmark. I hate them with a blinding rage for their secret revenue-sharing arrangements and their predatory 5.75% load on the uninformed but they have been having a good run, performance-wise, for 15 years or so. The true fo...
by Steelersfan
Sat Oct 28, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 3122

Re: bedroom color-current trend?

I just repainted as did one son and a daughter. Three different cities, three different lifestyles. The answer is indisputable:

Grey

:D
by Steelersfan
Sat Oct 28, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerage accounts?
Replies: 12
Views: 725

Re: Multiple brokerage accounts?

This is one of the most frequently posted questions on this board. Having read most of the threads, I'm guessing the split is about 50%/50% each way, with respected posters on either side of the question.

I'm 98% in the single firm camp, with a checking account at a local bank and a CD at another.
by Steelersfan
Tue Oct 24, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Equifax TrustedId
Replies: 2
Views: 556

Re: Equifax TrustedId

JBTX wrote:
Tue Oct 24, 2017 12:18 pm

I am sure you can elect which alerts you want. I signed up and I don't get all those things.
Same here
by Steelersfan
Mon Oct 23, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 36
Views: 2938

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

Our responsibility is anything that happens inside the interior walls. Anything that is beyond that-which would include plumbing-is "common" space and is the condo associations responsibility. Our condo association has the same line of demarcation. We describe it as "the unit owner is responsible f...
by Steelersfan
Sun Oct 22, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: New Vanguard Flagship message/launch page
Replies: 8
Views: 1632

Re: New Vanguard Flagship message/launch page

I still have a dedicated Flagship rep on the webpage. I'm guessing they are doing a phased implementation back to the call center approach? That seems to be the case. I got the new message page without the name of my personal rep. That's OK with me since I use the forum in preference to a personal ...
by Steelersfan
Sun Oct 22, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: How Often to Check Financial Email Account?
Replies: 11
Views: 1329

Re: How Often to Check Financial Email Account?

I only have one personal email account that I use for interaction with friends, the businesses I deal with, and financial institutions who hold my assets.
by Steelersfan
Sun Oct 22, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Include whole life policies as "retirement investment"?
Replies: 5
Views: 639

Re: Include whole life policies as "retirement investment"?

I only have one bucket of assets, not one for retirement and one not. I include the cash value of a very old life insurance policy in my assets. It's returns are better than my bonds so I've decided to keep it in place and let my heirs get a bonus of the (annually increasing) death benefit amount. C...
by Steelersfan
Sat Oct 21, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18358

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Nicely north of $1 mil and have never had, nor will I ever need, a F̶i̶n̶a̶n̶c̶i̶a̶l̶ ̶A̶d̶v̶i̶s̶e̶r̶ person to reduce my annual returns.
by Steelersfan
Tue Oct 17, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage account
Replies: 2
Views: 557

Re: Vanguard brokerage account

A previous thread, with links to several prior to that:

viewtopic.php?t=221650
by Steelersfan
Tue Sep 26, 2017 7:28 am
Forum: Investing - Help with Personal Investments
Topic: proxy vote
Replies: 6
Views: 1034

Re: proxy vote

Nope. Mine stopped as soon as I voted. I think I deleted the message also. That may have contributed.
by Steelersfan
Sat Sep 23, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Head-scratcher -- does Vanguard ever mistakenly charge fees?
Replies: 10
Views: 1085

Re: Head-scratcher -- does Vanguard ever mistakenly charge fees?

Is Vanguard your broker or are you using someone else to purchase the mutual funds? Are they ETF's or regular mutual funds?
by Steelersfan
Thu Sep 21, 2017 2:53 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 11922

Re: VG wants everyone to transfer to a brokerage account?

I've been getting them for months. Having only Vanguard mutual funds which I rarely trade, I keep ignoring it.

I expect some day I won't be able to put it off, they'll convert me, and that will be OK too.
by Steelersfan
Wed Sep 20, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 129
Views: 17262

Re: Who has needed to use their umbrella insurance?

Interesting recap of some actual claims.... http://www.galleninsurance.com/wp-content/uploads/2011/08/10-Actual-Claims-On-a-Personal-Umbrella-Policy.pdf I wonder how many policies were covered and over how many years it took to find those 10 cases? Where they all that firm's or did they go scouting...
by Steelersfan
Wed Sep 20, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 2065

Re: Vanguard PAS Seems Inflexable

Vanguard is a cost driven company and motivated to keep costs low by offering standardized products; few frills and little customization. Many of the "don't like Vanguard" posts have that as the root source of aggravation.

Either accept that and go with their model, or better to look someplace else.
by Steelersfan
Sun Sep 10, 2017 6:27 am
Forum: Investing - Help with Personal Investments
Topic: University of California Retirement Plan Proprietary Funds
Replies: 7
Views: 884

Re: University of California Retirement Plan Proprietary Funds

They're keeping the same investment adviser just changing from a publicly traded mutual fund to one administered solely for their clients. That lets them side step the marketing and reporting costs of a publicly traded mutual fund. http://ucnet.universityofcalifornia.edu/news/2017/07/fund-improvemen...
by Steelersfan
Sat Sep 09, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mother's Portfolio
Replies: 18
Views: 1566

Re: Help with Mother's Portfolio

I don't know what the state tax situation is in NJ, but in PA both Social Security and pensions are not subject to PA income taxes. That may give her a little boost.
by Steelersfan
Sat Sep 09, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Thought on including this in net equity calculations
Replies: 7
Views: 566

Re: Thought on including this in net equity calculations

I always did, but I was never considering my net worth as anything but an interesting number, not to guide my financial decisions.
by Steelersfan
Sat Sep 09, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mother's Portfolio
Replies: 18
Views: 1566

Re: Help with Mother's Portfolio

Minty - yes there will be some capital gains with the sale of all the assets. But this will need to be done eventually anyway. I'm thinking Mom's tax bracket is lower than both my own and my sister's so better to pay it now than as an inheritance. If she holds the assets until she passes the cost b...
by Steelersfan
Thu Sep 07, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 59
Views: 11335

Re: Capital One -- Again!

Welcome to the wonderful world of tabletizing interfaces. They simplify the interface and make everything huge so it works good on a 8" tablet versus something with a keyboard and mouse. I hate all the new interfaces...takes forever to do anything. Too much flash. All sizzle and no steak. They're b...
by Steelersfan
Thu Sep 07, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 67
Views: 16369

Re: How long does TreasuryDirect take to convert paper I bonds?

swebby wrote:
Thu Sep 07, 2017 10:23 am
Just an update.. it took 2 wks for me to get the money on those 357 bonds that my Daddy left us. They've really cleaned up their act.

I had the money before I even thought to try and check the status.
I had the same experience. I mailed mine in mid August
by Steelersfan
Wed Sep 06, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Savings Bonds
Replies: 30
Views: 2059

Re: Inherited Savings Bonds

Here's the help page on Treasury Direct on redeeming bonds, including paper ones:

https://www.treasurydirect.gov/indiv/re ... redeem.htm
by Steelersfan
Sat Sep 02, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Disclaiming Multiple IRAs
Replies: 14
Views: 1221

Re: Disclaiming Multiple IRAs

I agree with mhalley, it's OK to disclaim portions of whatever asset would be inherited.
by Steelersfan
Sat Sep 02, 2017 4:00 am
Forum: Personal Finance (Not Investing)
Topic: How many "investment" accounts do you have?
Replies: 61
Views: 6538

Re: How many "investment" accounts do you have?

Vanguard taxable mutual fund (not brokerage, yet)
Vanguard IRA
Treasury Direct (going away next year via gifts)
Online CD
Checking account at local bank

I'd shut down the online CD if my local bank offered more competitive rates, to get down to three accounts.
by Steelersfan
Fri Sep 01, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Day trips from Las Vegas
Replies: 16
Views: 1789

Re: Day trips from Las Vegas

Zion is awesome, in my top three of National Parks. Valley of Fire state park is on the way and worth a stop. I thought Red Rock Canyon a little better than Valley of Fire but why go out of the way. Forget Death Valley.
by Steelersfan
Fri Sep 01, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Question about pension and risk
Replies: 36
Views: 2375

Re: Question about pension and risk

I'm in a similar financial situation and decided, since I'm essentially investing for my heirs, to go with 60%/40%.

In practice I'm not sure the returns will be that much different than 40%/60%.
by Steelersfan
Wed Aug 30, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Deferred compensation plan? risky?
Replies: 59
Views: 2575

Re: Deffered compensation plan? risky?

Not a comment on the worthiness of this plan or choosing to use it, but the company I worked for had a fixed income option that payed well above either prevailing rates or their cost of capital. I think they viewed as a perk to reward their top officials. I stayed in it until I retired, and well gla...
by Steelersfan
Mon Aug 28, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2576

Re: QCDs from Vanguard

Thanks to the folks who made recommendations how to combine RMD's and QCD's. I start both next year and this thread has been useful to determine how to do them in combo. I would likely have ended up like the OP without his post.
by Steelersfan
Mon Aug 28, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2576

Re: QCDs from Vanguard

I suspect "the system" doesn't know if you want to take the QCD in addition to your regular RMD or as a distribution to partially meet your required RMD. You know it's the later, it doesn't.
by Steelersfan
Sun Aug 27, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: LTCi or RM
Replies: 18
Views: 955

Re: LTCi or RM

In many situations, once one has paid in to a policy for years, it's generally best to keep it as the amount paid in would likely be lost. Actually, isn't the amount paid in lost weather you continue or not. Shouldn't the evaluation be made based on current premiums and policy benefits, irrespectiv...
by Steelersfan
Sun Aug 27, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: approaching 70, and a totally new situation.
Replies: 31
Views: 4410

Re: approaching 70, and a totally new situation.

' Have fun! I see no need to change anything. Paying taxes just comes along with most types of income. People don't decline a pay raise because they would have to pay more in taxes. +1 My situation is very much like the original posters and I agree with this, even with keeping his asset allocation ...
by Steelersfan
Fri Aug 25, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to accelerate paying off mortgage now that I am 57 yrs old?
Replies: 24
Views: 2858

Re: Does it make sense to accelerate paying off mortgage now that I am 57 yrs old?

I had a 15 year mortgage that would continue into my retirement. I always paid extra principal. When I actually retired I decided to pay it off, just to eliminate that monthly expense. I don't think there's a whole lot of financial difference one way or the other. Whether you can itemize the mortgag...
by Steelersfan
Wed Aug 23, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10226

Re: Non-fiction bucket list

You probably need some substantial background in mathematics, but Music of the Primes by Marcus du Sautoy is the only book that ever motivated me to look up the author's email address and send him a note of appreciation. Beautify written account of this enigmatic topic.
by Steelersfan
Wed Aug 23, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 4638

Re: What do you do with RMD money you don't need?

I believe the conventional wisdom is: 1. put the money in a taxable account (and match the same AA where the money was). 2. gifts to children 3. You could donate the money to charity. If you do this, you probably want to do it as a QCD (qualified charitable deduction). There are specific ways that ...
by Steelersfan
Wed Aug 16, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks Question
Replies: 6
Views: 886

Re: Travelers Checks Question

The aren't a scam since they have physical offices in many major U.S. cities and airports, but they probably do charge pretty heft fees.

https://www.travelex.com/stores-by-stat ... y-exchange
by Steelersfan
Wed Aug 16, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Tax on I-Bonds Transfer
Replies: 14
Views: 973

Re: Tax on I-Bonds Transfer

One other bit of (unasked for) advice: If/when you do gift the bonds, make sure that you give documentation to the new owner(s) of the bonds about the amount of accrued interest on which you already paid tax at the time of the gift. (Some sort of documentation that would satisfy the IRS in an audit...