Search found 3435 matches

by Steelersfan
Sat Jul 14, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 16
Views: 1674

Re: switching between AARP Medigap plans

If you are still enamored of UHC, remember when comparing costs, apples to apples, to include the annual AARP dues you must pay to keep your insurance. it may have changed from three years ago when I applied for an AARP/UHC Medigap plan, or maybe they lied to me, but I was told you only need to bel...
by Steelersfan
Fri Jul 13, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score after becoming debt free?
Replies: 44
Views: 2870

Re: Credit score after becoming debt free?

Paid off mortgage 10 years ago so only credit now is two credit card paid off monthly with very low utilization. The credit score may have dropped 5 to 10 points over the years but has never been below 810.
by Steelersfan
Tue Jul 10, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 16
Views: 1674

Re: switching between AARP Medigap plans

I'd like to expand this to switching between Medigap in general. As I understand it, one can switch Medigap with guaranteed issue rights two different ways: 1. Within one's 6 month enrollment window, from any plan/any carrier to any other. This is mentioned on the Medicare.gov site. 2. Certain stat...
by Steelersfan
Sat Jul 07, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Addition on a condo
Replies: 7
Views: 551

Re: Addition on a condo

Sharing a common structure and a common wall will not make your unit comparable to similarly sized homes in your area. Plus there is some percentage of potential owners who would not be interested just because it's part of a condo association. That also reduces it's market value.
by Steelersfan
Sat Jul 07, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Addition on a condo
Replies: 7
Views: 551

Re: Addition on a condo

Are the three units totally separate structures, or do they share some common walls or floors/ceilings or grounds? If they are totally separate structures it seems like a feasible and worthwhile thing to do, as long as you can get concurrence from one of the other owners and not upset the other one ...
by Steelersfan
Sat Jun 30, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 16
Views: 1674

Re: switching between AARP Medigap plans

I received some more information from United Healthcare. They stated that they allow unrestricted switching between their Medigap plans without underwriting but that may change in the future. They said it could be related to the retiring of plans F and C. In that case it would be interesting to see...
by Steelersfan
Sat Jun 30, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 1844

Re: Private Label Blackrock Index Funds?

CITs are regulated by the DOL, not the SEC. The reporting regulations are lower which is why they have lower fees. I am ok with the lower regulatory burden, in particular on index funds. An example is that a mutual fund must report its NAV by 4:30 and has to pay to get its publicly published. CIT f...
by Steelersfan
Thu Jun 28, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 84
Views: 8076

Re: DNA ancestry testing

dm200 wrote:
Thu Jun 28, 2018 9:00 am

Yes - my known family history is Irish and Dutch. However, my dna shows a lot of Scandanavian. I guess the Vikings had "influence" in many places. :)
The Vikings ranged and settled over a large portion of Europe:

https://www.historytoday.com/sites/defa ... ingmap.jpg
by Steelersfan
Sat Jun 23, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Relief From Pain provision in Advance Care Directive
Replies: 10
Views: 712

Re: Relief From Pain provision in Advance Care Directive

Mine says: "I direct that treatment be limited to measures to keep me comfortable and to relieve pain, including any pain that might occur by withholding or withdrawing life-sustaining treatment."
by Steelersfan
Thu Jun 21, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: How much of your taxable holdings is unrealized capital gains?
Replies: 58
Views: 5009

Re: How much of your taxable holdings is unrealized capital gains?

45%. I plan, and will be able, to hold them until my heirs get a stepped up basis.

Problem solved for me. Not so much for many others.
by Steelersfan
Wed Jun 20, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Universal life insurance within ones Asset Allocation Model
Replies: 15
Views: 1289

Re: Universal life insurance within ones Asset Allocation Model

jimishooch wrote:
Wed Jun 20, 2018 12:19 pm
did not include it in my AA but principle is included in my net worth...
+1, and mine is about 5% of my assets
by Steelersfan
Wed Jun 20, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Senior discounts to look out for
Replies: 12
Views: 1605

Re: Senior discounts to look out for

likegarden wrote:
Wed Jun 20, 2018 4:51 pm
Hotels also give a discount when you have an AARP card.
Many have a Senior Rate even without an AARP card
by Steelersfan
Wed Jun 20, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Universal life insurance within ones Asset Allocation Model
Replies: 15
Views: 1289

Re: Universal life insurance within ones Asset Allocation Model

I have had other universal life policies for business purposes, and they always collapsed to the guarantee and so "blew up" after a decade or two. So IMHO one should expect the returns on any universal life policy to collapse to the guarantee. Interesting, I know banks buy loads of life insurance o...
by Steelersfan
Thu Jun 14, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone at Goldman Sachs/Marcus bank 1.5%?
Replies: 44
Views: 7783

Re: Anyone at Goldman Sachs/Marcus bank 1.5%?

Vanguard Money Market Prime fund has an SEC yield of 1.44% and I don't need to chase around to other companies. The only thing missing is FDIC. Simple is good. I have a CD at Marcus. It's worked fine. No issues whatsoever. But I too have decided Vanguard's Market Prime is good enough. When my one C...
by Steelersfan
Wed Jun 13, 2018 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3321

Re: Vanguard Advisor Services

I think most Bogleheads are savvy enough to do without PAS. Now if most of us could get our spouse to become a Bogleheads we would not need it either. I think many Bogleheads agree with JoinToday, and having Vanguard's PAS service available as a low cost option is a good thing. "I told my wife to h...
by Steelersfan
Wed Jun 13, 2018 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3321

Re: Vanguard Advisor Services

Would your opinion of the value of PAS be different if the last five years had been different, with lots of market up and downs making portfolio adjustments worthwhile? What's your expectation for the market for the next five years? I think most Bogleheads are savvy enough to do without PAS. Are you...
by Steelersfan
Mon Jun 11, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17432

Re: Life in retirement - what did you do today?

Went grocery shopping and bought a few things at Home Depot Prepared for our condominium board meeting, to give an update on a couple of projects I'm doing for it Did my usual free weight regimen Read a few hundred pages of a book Watched a couple of TV shows I'd DVR'ed Read several message boards o...
by Steelersfan
Thu May 31, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 84
Views: 8076

Re: DNA ancestry testing

Thought this was interesting: https://blogs.ancestry.com/cm/whos-more-irish-you-or-your-sibling/ That makes an important point. I think most people do DNA tests to find out where their ancestors came from. Not with a degree of accuracy that's worthwhile. What it shows (roughly) is what ancestral pl...
by Steelersfan
Wed May 30, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on tracking down deposits made to deceased uncle's checking account
Replies: 4
Views: 617

Re: Advice on tracking down deposits made to deceased uncle's checking account

If they're pension payments he should get an annual statement from the pension provider on the financial condition of the pension plan: beneficiaries, assets, future liabilities, etc. Check his mail or whatever filing system he had. I get my statement in the March/April time frame since they're due ...
by Steelersfan
Wed May 30, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5070

Re: Fitting three young kids in the car...

I'm not up on current car models but am a big fan of the three level seat models for your situation. We had three kids, and on trips two of them were always able to get along but never all three. So whichever two were happy with each other at the time got the middle seat. The odd kid out got the bac...
by Steelersfan
Wed May 30, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 84
Views: 8076

Re: DNA ancestry testing

Apparently ethnicity results are known to be inaccurate http://genetics.thetech.org/ask-a-geneticist/same-dna-different-ancestry-results Thanks for posting that. It's a must read for anyone who's thinking of doing a DNA ethnicity test. That article, and the blog it links to, explain completely the ...
by Steelersfan
Tue May 29, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 84
Views: 8076

Re: DNA ancestry testing

As mentioned, take the ethnicity tests with a big grain of salt. I've seen results for the same person from the "big three" testing companies, and while there are similarities, there are large, unexplanable differences, and this from a guy who knows all of his ancestors back to the early 1800's. And...
by Steelersfan
Sat May 26, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth LTC (Again)
Replies: 19
Views: 1822

Re: Genworth LTC (Again)

Will you have a pension and how much will that pay. How much will you receive each year from Social Security? How much in dividends and interest is your portfolio paying each year? Add those together and compare that with LTC costs in your area, adjusting for inflation as you desire. You're likely a...
by Steelersfan
Fri May 25, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: How long is reasonable? Life insurance followup
Replies: 5
Views: 795

Re: How long is reasonable? Life insurance followup

How long have you been waiting for a response to your mail?

And your email?
by Steelersfan
Wed May 23, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard immediately close a zero balance account?
Replies: 7
Views: 989

Re: Does Vanguard immediately close a zero balance account?

It seems clear that they don't.

For sure they'll keep them open until after any tax reporting deadlines have passed early the following year. They need the account and transaction information to complete those reports.
by Steelersfan
Sat May 19, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Insurance or Betterment
Replies: 3
Views: 389

Re: Insurance or Betterment

Nate79 wrote:
Sat May 19, 2018 11:31 am
Anything but the insurance. Insurance and investing should not mix.
+1, or maybe +100
by Steelersfan
Tue May 15, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.
Replies: 24
Views: 1321

Re: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.

If I'm going to trust that they'll maintain the correct balances electronically, I have to trust that they'll keep the benny info electronically too. If I don't trust that they can keep data right, then I should just put my money in my mattress because even the $250k wouldn't be safe. I think it's ...
by Steelersfan
Mon May 14, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.
Replies: 24
Views: 1321

Re: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.

In general, the owner of a revocable trust account is insured up to $250,000 for each unique beneficiary, if all of the following requirements are met: The account title at the bank must indicate that the account is held pursuant to a trust relationship. This rule can be met by using the terms paya...
by Steelersfan
Mon May 14, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 9926

Re: Warning: avoid Windows 10 update 1803

Update took 30 minutes. No problems, and memory usage seems to be down, so that's good for my 4 GB RAM PC.
by Steelersfan
Fri May 11, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Water leaking from shared wall in condo - next steps?
Replies: 21
Views: 2440

Re: Water leaking from shared wall in condo - next steps?

I live in an 80 Year old condominium so we get leaks of one kind or another a few times a year. Talk to your neighbor to find out if they've having the same issue, or maybe are the cause of the water. If your condo board or management agent is responsible then your first call should be to them. They...
by Steelersfan
Thu May 10, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B sticker shock - should I appeal
Replies: 7
Views: 1404

Re: Medicare Part B sticker shock - should I appeal

There is a form you can fill out and file with SSA when your income is reduced because you stopped working. It is SSA-44 Medicare Income Related Monthly Adjustment Amount Life Changing Event. Work stoppage is one of the "events." It may help to have something from your employer confirming that you ...
by Steelersfan
Mon May 07, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA: Anyone know if you qualify if you resign?
Replies: 13
Views: 1273

Re: COBRA: Anyone know if you qualify if you resign?

But not all companies are required to offer Cobra. You would want to check on it but as I recall companies with less then 50 employees may not be required. I'm not sure about non-profits either. Your state laws may provide additional or longer coverage. The cut-off is 20 employees, and the company ...
by Steelersfan
Mon May 07, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Can COBRA coverage be extended indefinitely?
Replies: 13
Views: 1381

Re: Can COBRA coverage be extended indefinitely?

I early retired at age 60. I stayed on my company plan for the next 5 years until Medicare kicked in. My contribution stayed the same as all other employees. That was a standard benefit available to all employees if you retired age 55 or later.
by Steelersfan
Thu May 03, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Vanguard Steering Community - legit or scam?
Replies: 7
Views: 1187

Re: Vanguard Steering Community - legit or scam?

I have not gotten one.

Maybe they were afraid I'd steer them in the wrong direction.
by Steelersfan
Tue May 01, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Testimonials on moving with a family
Replies: 29
Views: 2773

Re: Testimonials on moving with a family

Wife and I moved from college to a rental in the city where I got a first job. After a year, moved to a condo in a suburb After 4 years, bought a house in a different suburb with better schools when first child started school After 8 years moved to a bigger house in the same suburb when we outgrew t...
by Steelersfan
Wed Apr 18, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2182

Re: MAGI and Medicare Premium

I am in the same boat: I would rather use 2017 income over 2016. My approach was to file my 2017 FORM 1040 early in hopes they will see that latest return when I apply. But my guess is they will use 2016 return, even if 2017 is available to them. Your guess is right. If you want them to look at a l...
by Steelersfan
Wed Apr 18, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11847

Re: Quitting job - what to do if getting walked to the door

Bring all physical, personal items out to the car prior to giving notice. When he's walked to the door, there should be nothing left for HR to mail. I've seen people walked out and then co-workers and/or boss putting personal things in boxes that will be FedEx'd to the former employee. Assume this ...
by Steelersfan
Sun Apr 15, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Advice for daughter entering into college shared rental situation?
Replies: 17
Views: 1482

Re: Advice for daughter entering into college shared rental situation?

There must be hundreds of thousand of students entering into exactly that situation each year all over the country. A high percentage work out just fine. For those that don't - a valuable life lesson learned on their own, the best kind.
by Steelersfan
Sun Apr 15, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 31
Views: 3156

Re: Recommend airline luggage fitting in overhead bin?

Also are you planning on using it for overseas travel? Their limits are often times smaller than in the US.
by Steelersfan
Fri Apr 13, 2018 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide what to do with my 30 year old NML whole life policies
Replies: 15
Views: 1308

Re: Help me decide what to do with my 30 year old NML whole life policies

mhalley wrote:
Thu Apr 12, 2018 7:59 pm
With policies this old, you might want to pay for a professional evaluation here:

http://www.evaluatelifeinsurance.org/
He did that few years ago:

"These policies were independently evaluated by James Hunt and have a ROR of 5.4% (in 2015, probably lower now around 5%)."
by Steelersfan
Thu Apr 12, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Good auto insurance
Replies: 3
Views: 607

Re: Good auto insurance

J.D. Power surveys thousands of people on this question and publishes their results here:

http://www.jdpower.com/ratings/industry/insurance
by Steelersfan
Thu Apr 12, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide what to do with my 30 year old NML whole life policies
Replies: 15
Views: 1308

Re: Help me decide what to do with my 30 year old NML whole life policies

I have one similar but smaller policy. I chose options 2 and 4 and am satisfied with that, with 2 a remote probability for me.
by Steelersfan
Tue Apr 03, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 3582

Re: Health club memberships

GeraniumLover wrote:
Tue Apr 03, 2018 6:13 pm
If you have a Planet Fitness nearby, it's a no brainer. Why pay more than $10/mo?
I agree. $10 a month can't be beat. I've been with them for over a year and am very satisfied.

https://www.planetfitness.com/gyms?q=Texas%2C%20US
by Steelersfan
Sun Apr 01, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Estate tax] on savings accounts?
Replies: 19
Views: 1061

Re: [Estate tax] on savings accounts?

Sidney wrote:
Sun Apr 01, 2018 11:41 am
brandy wrote:
Sun Apr 01, 2018 11:28 am
The beneficiary is in Indiana.
I'm not sure but I think the laws in your state prevail, not the state of the beneficiary.
You're correct for my state (Pennsylvania). If you die here your heirs pay the inheritance tax no matter where they live.
by Steelersfan
Sun Mar 25, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Any way to recover lost blog from former website realtravel.com?
Replies: 5
Views: 375

Re: Any way to recover lost blog from former website realtravel.com?

You can usually navigate the site once you find it on the wayback machine. Go in at the top URL and check several dates.
by Steelersfan
Wed Mar 21, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Need to pull some data off some old 5-1/4" floppy disks
Replies: 20
Views: 2753

Re: Need to pull some data off some old 5-1/4" floppy disks

Note that if the floppy disks are in non-PC format, a PC generally can't read them. In that case you'd probably need to get another computer of whichever type they were originally written with. That's really important. What program running on what computer created them, and what extension (.EXT) ar...
by Steelersfan
Sat Mar 17, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 9670

Re: Need for Medicare supplemental plan?

Plans C, F and F high deductible will be grandfathered to existing policy holders on 12/31/2019. No new such plans can be sold effective 1/1/2020. Plan G high deductible will be available 1/1/2020, but it is not known if it will be available earlier. Also, it is not known if current Plan G or Plan ...
by Steelersfan
Thu Mar 15, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: What bond funds do you use for taxable accounts?
Replies: 20
Views: 2168

Re: What bond funds do you use for taxable accounts?

I'm in it for the long haul, so:

Vanguard intermediate-term tax-exempt bond fund (VWITX)
by Steelersfan
Thu Mar 15, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and Utah Parks
Replies: 16
Views: 1635

Re: Grand Canyon and Utah Parks

TxAg wrote:
Thu Mar 15, 2018 9:40 am
Make time for Zion. Bryce was nice, but we wished we would have spent more time in Zion.
I agree. Zion is better than Bryce, but seeing and hiking through the hoodoos in Bryce was a great experience.

Zion is my second favorite national park, after only Yellowstone.