Search found 3483 matches

by Steelersfan
Mon Sep 17, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 21
Views: 1371

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: 19
Views: 1352

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: 19
Views: 1352

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: 2242

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: 1166

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: 3681

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: 3310

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: 3793

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.
by Steelersfan
Mon Sep 10, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Finding old shares of stock
Replies: 13
Views: 964

Re: Finding old shares of stock

Here's a web site with questions and links to each state's unclaimed property site:

You should be encouraged by this:

Claims can be made into perpetuity in most cases, even by heirs.

https://www.unclaimed.org/what/
by Steelersfan
Mon Sep 10, 2018 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Finding old shares of stock
Replies: 13
Views: 964

Re: Finding old shares of stock

Has she been getting 1099's on the dividends received? Even if they were reinvested, income taxes were due when they were paid, which would probably be quarterly. No 1099's. It's looking like it's probably been turned over to the state huh? It's likely. The best next step is to contact the state un...
by Steelersfan
Sun Sep 09, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Finding old shares of stock
Replies: 13
Views: 964

Re: Finding old shares of stock

Has she been getting 1099's on the dividends received? Even if they were reinvested, income taxes were due when they were paid, which would probably be quarterly.
by Steelersfan
Sat Sep 08, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Getting Top Dollar for Selling our Condo
Replies: 16
Views: 1266

Re: Getting Top Dollar for Selling our Condo

I track sales of condos in our association. Those that are not upgraded at all get lower prices. Those that are upgraded and in good condition sell for much better prices.

If your condo is in the later category additional upgrades will rarely pay off.
by Steelersfan
Fri Sep 07, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: I-Bonds, 529s and college expenses of non-dependents
Replies: 9
Views: 797

Re: I-Bonds, 529s and college expenses of non-dependents

My only problem with your post is: Why you didn't post it a year ago when I was researching doing the same thing, except mine would be for my grandchildren and not nieces and nephews. I could have saved a big tax bill when I gifted/transferred my I-Bonds to my kids. Good research though. :sharebeer
by Steelersfan
Wed Sep 05, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking up IRMAA,,,, Medicare that is
Replies: 5
Views: 458

Re: Breaking up IRMAA,,,, Medicare that is

Take official documents and visit your local SS office. I had a similar (but different) reason for a reduction in income. It didn't fit exactly one of their check boxes but got taken care of in a few weeks. They even reimbursed a month or two of higher payments I had already made that year.
by Steelersfan
Wed Sep 05, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct has awesome phone support! Thanks!
Replies: 16
Views: 1216

Re: Treasury Direct has awesome phone support! Thanks!

I too had a good phone experience with them last year when I was converting some paper I-Bonds to electronic in order to change ownership. They were quick to answer and gave good advice.
by Steelersfan
Sun Sep 02, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29090

Re: Umbrella insurance..who has it? Is it recommended?

I've had it for quite a while. Never had a claim so I don't know how useful it is. TravelforFun If my memory is correct, the question has been asked several times about whether or not a Boglehead had ever used it and no one ever said yes. OTOH - I finally bought it a few years ago. I settled for $1...
by Steelersfan
Wed Aug 29, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Big change in HOA - questions to ask, rights of homeowners?
Replies: 12
Views: 1835

Re: Big change in HOA - questions to ask, rights of homeowners?

We were given two documents: one which outlines the covenants and restrictions for the homeowners and the second which is the by-laws for the homeowners association. I see no mention of what happens once the bank is out of the picture. In my condo (similar but different than a HOA) there are three ...
by Steelersfan
Wed Aug 29, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3127

Re: UHC/AARP Switching Medigap F---> G Underwriting

I was told by the senior Medicare specialist at the local office (so not an official policy yet) that her company would be offering a switch from Plan F to Plan G in the upcoming year with no underwriting. If that's offered I'll take it. I fear that the folks who stick with Plan F will, over time, g...
by Steelersfan
Wed Aug 29, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Big change in HOA - questions to ask, rights of homeowners?
Replies: 12
Views: 1835

Re: Big change in HOA - questions to ask, rights of homeowners?

Is there a Declaration for the Home Owner's Association you can look at? I live in a condo and have the original from when it converted from apartments to a condominium. It spells out what happens during the developer's majority ownership, when that transitions out of their control, and what happens...
by Steelersfan
Sat Aug 25, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 6549

Re: How do you calculate net worth with pensions?

delamer wrote:
Sat Aug 25, 2018 6:49 pm

To me, though, they are no different than Social Security. I don’t include either as part of our net worth.
+1
by Steelersfan
Fri Aug 24, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 4670

Re: Is Treasury Direct worth the hassle?

I still have my "super-secret-password-decoder-card-thingy" (SSPDCT). Anyone remember those? Yup. I still have mine somewhere. Those were a pain, and their memory lives on in some people's minds to cloud their opinion of usability. But once technology improved so that people had graphic capable scr...
by Steelersfan
Fri Aug 24, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 4670

Re: Is Treasury Direct worth the hassle?

not worth it to me, more from a standpoint of death. I can see off in the distant future when I am gone and the kids/heirs have no idea how to get the few thousand out of the fed account. Transfer Direct is not the most intuitive site I've used, but if you use it more than once every year or two it...
by Steelersfan
Wed Aug 22, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for a Generous Grandparent?
Replies: 53
Views: 4261

Re: Suggestions for a Generous Grandparent?

Three children. Two of them have two children each. One has none. All three children get the same amount each year and have for years.

We decided to have three children. We had no say in whether they got married or how many children the had.

No gripes or disagreements.
by Steelersfan
Sun Aug 19, 2018 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 40
Views: 3670

Re: Retirees: Timing your withdrawals

Other than an unusual expense every few years not covered by my pension and SS income stream my only withdrawals are my RMD. I do that while I'm doing my taxes for the previous year. That way I deal with all my tax stuff at the same time and don't have to worry about forgetting my RMD some year.
by Steelersfan
Sat Aug 18, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Total Wireless v. Cricket Wireless
Replies: 13
Views: 1001

Re: Total Wireless v. Cricket Wireless

Once you enter a person into your "Contacts" you never have to worry about area code or not.

Or remembering their phone number. :oops:
by Steelersfan
Sat Aug 18, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Total Wireless v. Cricket Wireless
Replies: 13
Views: 1001

Re: Total Wireless v. Cricket Wireless

I've been on Verizon Wireless for ten years on a couple different plans and four different phones I've always had to enter the area code no matter where I was calling.
by Steelersfan
Sat Aug 18, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Opinions and experiences with Verizon Prepaid?
Replies: 14
Views: 1031

Re: Opinions and experiences with Verizon Prepaid?

I'm almost positive they use exactly the same network and have the same access to that network.
by Steelersfan
Sat Aug 18, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Opinions and experiences with Verizon Prepaid?
Replies: 14
Views: 1031

Re: Opinions and experiences with Verizon Prepaid?

I switched 8 months ago and saved $20 a month. Conversion was seamless and cell service is just as before. I've not had any interactions with customer service either before or after so can't comment on that.
by Steelersfan
Thu Aug 16, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Contemplating moving to Vanguard
Replies: 10
Views: 625

Re: Contemplating moving to Vanguard

If you can't sell the wife on living without the adviser now, at least move to the low cost Vanguard funds. You can always take the next step a year or two later and leave the portfolio alone until you're ready to make investments decisions yourself.
by Steelersfan
Wed Aug 15, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3412

Re: Best consumer products - made in USA

As previously noted, Darn Tough Socks. Also, my All Clad pots and pans were (hopefully still are) manufactured here. And the best loppers I've ever had are manufactured in the US. The manufacturer is Florian, and they're out of stock right now. :annoyed And don't forget New Balance shoes. And Washi...
by Steelersfan
Sat Aug 11, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I accept a large cash gift from my mother?
Replies: 44
Views: 5795

Re: Should I accept a large cash gift from my mother?

I have significantly more assets than I will ever realistically need. But who knows what anyone's health future is, and I would never want to be limited to a nursing home that had me as a Medicaid patient. I think it's morally wrong (there's no consensus on that here) when I can pay my own way. So I...
by Steelersfan
Mon Aug 06, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2364

Re: Prescription Price Shopping?

I occasionally find really good prices using these coupons, and have never had an issue getting them honored.

https://www.goodrx.com/
by Steelersfan
Wed Aug 01, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: How long have you been retired and how much have you spent on health out of pocket?
Replies: 18
Views: 2061

Re: How long have you been retired and how much have you spent on health out of pocket?

Been retired for three years and reasonably healthy. I pay for Medicare Part B - $134.00/mo, Medigap - $225/mo and Medicare Prescription Drug plan - $15/month or so. In three years, I've had maybe $1000 in out-of-pocket expenses - total. Excluding dental, of course. Cheers, Dave My insurance costs ...
by Steelersfan
Sun Jul 29, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Any reason a building should not consent to a condo buyer using a family mortgage?
Replies: 19
Views: 1775

Re: Any reason a building should not consent to a condo buyer using a family mortgage?

We have no such rule in our condo association and see no reason to have one. We have not filed the necessary paperwork (and associated expense) to make our condo available for FHA mortgages. That means any mortgagee must pass a bank's underwriting and higher down payments. That's common in our area ...
by Steelersfan
Fri Jul 27, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advice For Friend Going Through Divorce
Replies: 25
Views: 3466

Re: Advice For Friend Going Through Divorce

As other posters have noted, laws vary by state. In New York, where I went through a divorce, once the divorce action was filed with the court there was a "stop the clock" in effect. Assets accumulated after that date were owned by each of us individually and were not marital property. If your frie...
by Steelersfan
Fri Jul 27, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: soccer practice next to highway during rush hour
Replies: 8
Views: 952

Re: soccer practice next to highway during rush hour

Is there an alternate place they could practice? Maybe that's the only space and time that soccer team could get. In many communities field space is at a premium. In mine, the different sports get together and parcel out days and times at the available fields. It's not uncommon for multiple teams of...
by Steelersfan
Fri Jul 27, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Conservative asset management during retirement?
Replies: 15
Views: 1593

Re: Conservative asset management during retirement?

Helpful reading: Outstanding write up on the 64/40 allocation by Bernstein. http://web.archive.org/web/20061214061904/http:/dfmadvisors.com/pdf/Bernstein6040.pdf R. Ferri on Bernstein's 60/40 http://www.etf.com/sections/index-investor-corner/ferri-wisdom-6040-portfolios-timeless?nopaging=1 j :D How...
by Steelersfan
Wed Jul 25, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Condo or Continue To Rent ?
Replies: 33
Views: 1922

Re: Would You Buy This Condo or Continue To Rent ?

My spouse and I have been renting the same apartment for the last ten years […] HOA Fees = $250/mth minus potential rent on parking spaces. I encourage you to carefully assess your assumptions about the cost to maintain this property before proceeding much further. HOA dues set by a developer shoul...
by Steelersfan
Wed Jul 25, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Condo or Continue To Rent ?
Replies: 33
Views: 1922

Re: Would You Buy This Condo or Continue To Rent ?

Can you buy a similar unit on a lower floor? If there are more units and only one sold so far, a second floor unit might be ideal. High enough to discourage burglars coming in the window, but low enough that no elevator is not an issue. The first condo we bought decades ago was a rental that conver...
by Steelersfan
Wed Jul 25, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Condo or Continue To Rent ?
Replies: 33
Views: 1922

Re: Would You Buy This Condo or Continue To Rent ?

No comment on the financial aspects but some perspective based on experience as a condo owner and board member. We have seven three story buildings in our condo association, and none of them have elevators. The buildings are 90 years old. Our top floor units sell for just as such as the lower units....
by Steelersfan
Wed Jul 25, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9765

Re: Dealing with HOA Notice

They gave OP a letter stating ‘No Violations’. Shouldn’t they have checked before giving ‘all clear’ verdict? It's probably best to see the entire wording. It may mean there are no outstanding cited violations, which would be true. It may not mean they have done an inspection and no violations were...
by Steelersfan
Tue Jul 24, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9765

Re: Dealing with HOA Notice

Our condo buildings face a central courtyard that has very attract grounds and residents sit there and socialize. One of our Rules and Regulations is that all blinds facing the courtyard must be white to keep a common and attractive appearance. It had never been an issue until one resident switched ...
by Steelersfan
Mon Jul 23, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9765

Re: Dealing with HOA Notice

Statute of Limitations – The statute of limitations for a violation of a restriction is five (5) years from the time the association “discovered or, through the exercise of reasonable diligence, should have discovered the violation.” (Code. Civ. Pro § 336(b).) The term “restriction” in this respect...
by Steelersfan
Sun Jul 22, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Location Independent (Nomad) Will
Replies: 20
Views: 1535

Re: Location Independent (Nomad) Living Will

I believe as long as you maintain a U.S. domicile (an address and financial assets tied to that address in the U.S should help) your U.S. based will should be mostly valid. But your foreign assets, large or small as they may be, could be an issue. You really need to talk to an attorney who's versed ...
by Steelersfan
Sun Jul 22, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Location Independent (Nomad) Will
Replies: 20
Views: 1535

Re: Location Independent (Nomad) Living Will

I suspect he's talking about an Advance Medical Directive but it's worth clarifying.
by Steelersfan
Sun Jul 22, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Location Independent (Nomad) Will
Replies: 20
Views: 1535

Re: Location Independent (Nomad) Living Will

Another thought;

What about the next document, the will that disposes of your assets should you die in that foreign country? County laws are probably an even bigger factor there. How are you dealing with that?
by Steelersfan
Sun Jul 22, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Location Independent (Nomad) Will
Replies: 20
Views: 1535

Re: Location Independent (Nomad) Living Will

It seems difficult to impossible since country, state and local laws apply at the time it's needed

Will the person(s) who will make decisions on your behalf be the same person(s) where ever you are?
by Steelersfan
Sat Jul 14, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 20
Views: 2333

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: 48
Views: 3970

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.