Search found 3422 matches

by Steelersfan
Thu Jun 14, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone at Goldman Sachs/Marcus bank 1.5%?
Replies: 41
Views: 6541

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: 3158

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: 3158

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: 179
Views: 15206

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: 43
Views: 3664

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: 598

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: 4924

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: 43
Views: 3664

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: 43
Views: 3664

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: 1780

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: 779

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: 965

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: 368

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: 1289

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: 1289

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: 9561

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: 2410

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: 1377

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: 1245

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: 1341

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: 1112

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: 2718

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: 2130

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: 11636

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: 1445

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: 23
Views: 2052

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: 1263

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: 584

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: 1263

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: 3011

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: 1002

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: 357

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: 2665

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: 9094

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: 15
Views: 1362

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: 1569

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.
by Steelersfan
Wed Mar 14, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6146

Re: Huge special assessment on Condo?

And I advise people not to buy a single family home because of the never-ending threat of major repairs. The big difference is that if my house needs repairs I have a lot of control over timing, over the contractor chosen, and even over whether I want to learn how and do them myself. There's one ca...
by Steelersfan
Mon Mar 12, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6146

Re: Huge special assessment on Condo?

I would ask how long the current board has been in place, and if there's general satisfaction with them. That's hard to judge. If you can, find out if there are people trying to get on the ballot to get on the board. Even if they lose, that could indicate some dissatisfaction with what they're doing...
by Steelersfan
Mon Mar 12, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6146

Re: Huge special assessment on Condo?

I've lived here almost seven years and we've never had a special assessment. I've lived in my condo for 15 years. After an assessment in the first year when operating cash dropped to zero due to a derelict board, I haven't had one since. That board was replaced and we now have very adequate reserve...
by Steelersfan
Mon Mar 12, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6146

Re: Huge special assessment on Condo?

From what I read (from credible sources), a condo does not want to have/allow too high a percentage of rentals -- BUT neither does it want to cap that too low either. If it is very low, then owners who move will have no chance of renting the unit. Don't hold me to this number, but I think its 30% o...
by Steelersfan
Sun Mar 11, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6146

Re: Huge special assessment on Condo?

I'm on the board of my condo and we were headed toward 50% rentals because the units been such good investments. We passed (with 75% unit owner concurrence) an amendment that future sales could no longer be a rental. That was three years ago. We're getting down toward 25% rentals and it will go low...
by Steelersfan
Sun Mar 11, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6146

Re: Huge special assessment on Condo?

I did a quick calculation about what this might be for my unit if it is split up in the same ratio of the monthly HOA fees. That would make it about 60K. Is that how it usually works? Almost certainly the assessment will be divided up percentage wise like HOA fees, i.e. you pay more if you have a l...
by Steelersfan
Sun Mar 11, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Take MY RMD Now Or Wait Until Later In The Year?
Replies: 20
Views: 1731

Re: Should I Take MY RMD Now Or Wait Until Later In The Year?

First year taking an RMD. No QCD, at least this year. No plan. I just did it last week.
by Steelersfan
Thu Mar 08, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: BH's that are retired & mortgage free
Replies: 21
Views: 3135

Re: BH's that are retired & mortgage free

Nate79 wrote:
Thu Mar 08, 2018 7:42 pm
There is no way to predict medical insurance cost 20+ years in the future. So many things can change, whether for private insurance or medicare that the possibilities far outweigh the range of your capability to extrapolate.
+1

This is an exercise not worth doing at that age.
by Steelersfan
Thu Mar 08, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard’s online RMD tool updated to facilitate QCDs
Replies: 21
Views: 1524

Re: Vanguard’s online RMD tool updated to facilitate QCDs

I went through the sequence and saw no place where I could designate a QCD. Look here https://www.bogleheads.org/forum/viewtopic.php?f=2&t=243615 Those steps seem to work Thanks for that, but that seems to apply to accounts that have been converted to brokerage accounts. I'm still holding onto my m...
by Steelersfan
Thu Mar 08, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard’s online RMD tool updated to facilitate QCDs
Replies: 21
Views: 1524

Re: Vanguard’s online RMD tool updated to facilitate QCDs

I'm 70 1/2 and have not taken my RMD this year. I went through the sequence and saw no place where I could designate a QCD.

Maybe it's in the planning stage and not operational yet.
by Steelersfan
Thu Mar 08, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Is near FI + Employment almost as good as Retirement?
Replies: 39
Views: 4524

Re: Is near FI + Employment almost as good as Retirement?

Which got me thinking, is being financially independent (or very close) while working almost as stress free and rewarding as being retired? Ok, maybe that's a stretch... but do other BHs find that work isn't so stressful once the fruits of being a BH come to pass? It was. Until a poorly planned and...
by Steelersfan
Wed Mar 07, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Ever executed a QDRO (divorce)
Replies: 9
Views: 1175

Re: Ever executed a QDRO (divorce)

c1over8 wrote:
Wed Mar 07, 2018 1:06 pm
I'm not personally familiar with the nitty gritty of QDROs but a google search indicates you don't need one for IRAs.
That's true. You need them for 401K's or pension allocations but not IRA's. Just transfer the funds to his/her IRA.
by Steelersfan
Wed Mar 07, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Template
Replies: 12
Views: 1129

Re: Net Worth Template

I use a two column Word document, assets on the left and liabilities on the right. I update it once a year when I do taxes and keep an annual history at the bottom of the page. I use a calculator to add the two columns of numbers. Yikes!!! It takes me 10 minutes to enter, do the sums, and one subtra...