Search found 3540 matches

by Steelersfan
Tue Jan 15, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Bogleheads-type forum for Genealogy Research?
Replies: 11
Views: 900

Re: Bogleheads-type forum for Genealogy Research?

I've been doing genealogy for 40 years, head up the local genealogy society, and volunteer at the local Family History Center. As mentioned anyone is welcome to use the FamilySearch site and come to a Family History Center for personal assistance. https://www.familysearch.org/locations/ There are hu...
by Steelersfan
Mon Jan 14, 2019 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: IRMAA/Beginning SS
Replies: 18
Views: 1281

Re: IRMAA/Beginning SS

Will the increase in IRMA exceed $66k - $47k?

I doubt it.
by Steelersfan
Thu Jan 10, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5510

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

If you make trips of any length of time, two rows to put the kids in makes a great difference. Two of the three usually get along. Which two - it varies. All three - almost never. Put whichever two are getting along in the front row and the other one in the back row. Problem solved. Get the SUV.
by Steelersfan
Sat Jan 05, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: "Road Scholar" Travel
Replies: 18
Views: 2255

Re: "Road Scholar" Travel

I have a good friend who's taken many trips with them to multiple continents. She keeps going back to them so that says a lot about them.
by Steelersfan
Fri Jan 04, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3759

Re: Paying (paper) cash for daily transactions

I use cash less often every year, but still do for small purchases at local merchants who I think need every bit of edge they can get. I'm down from $100 in cash several times a month from an ATM (always in twenties) to just over once a month.
by Steelersfan
Fri Jan 04, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Fund Transfer Missing
Replies: 6
Views: 524

Re: Fund Transfer Missing

I had one of those a few years ago. It was my mistake. The Vanguard side was pretty easily fixed with a phone call but it took several visits to the bank and almost a week to get the bank side straight.

Patience and persistence were rewarded.
by Steelersfan
Wed Dec 19, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Changing the By-laws of a Not-for-Profit to Incorporate Contemporary Usage
Replies: 8
Views: 576

Re: Changing the By-laws of a Not-for-Profit to Incorporate Contemporary Usage

I've done Bi-Law revisions to my condo association and the small non-profit. Both required a 2/3 majority to revise the Bi-Laws so that's what I did. Both were written in the 1990's and avoided any pronouns by always using the term for the person's position, e.g. Board Member, Treasurer, member, etc...
by Steelersfan
Tue Dec 11, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 28
Views: 1773

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

Based on reading a lot of prior threads on POA's, it seems most financial institutions will required you to use their POA form, not one of your making.

That's the question to ask Vanguard.
by Steelersfan
Fri Dec 07, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Retaining mental sharpness in retirement communities?
Replies: 8
Views: 1470

Re: Retaining mental sharpness in retirement communities?

I'm associated with three different not for profit organizations. All of them can't all the volunteers they need. There are surely several (or many) such wherever you are. You just have to find some that are of interest to you and join up. And don't just be a volunteer who takes the usual routine du...
by Steelersfan
Wed Dec 05, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent funding 529 and almost immediate withdrawal
Replies: 9
Views: 1840

Re: Grandparent funding 529 and almost immediate withdrawal

I’ve never seen a 529 that allowed deductions for someone who wasn’t a parent/guardian. But perhaps GA is different. I live in a state (not GA) that would allow me to take a tax deductions for a grandchild's 529 plan. I elected to gift what I would have contributed to the 529 plan to my son, no str...
by Steelersfan
Wed Dec 05, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Co-op building's finances?
Replies: 10
Views: 923

Re: Co-op building's finances?

I'm not saying they did necessarily, but they might have held down maintenance expense by not doing work they should have. The condo I live in now had a board that did that and we paid a price for years to dig out of that hole. $1.5 million in reserves seems like a lot unless they have some specific...
by Steelersfan
Wed Dec 05, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Co-op building's finances?
Replies: 10
Views: 923

Re: Co-op building's finances?

I would certainly ask what they intend to use the cash for. It could be a red flag of deferred maintenance. Maybe this fixed everything. Maybe not.
by Steelersfan
Sun Dec 02, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Personnel turnover in Vanguard Personal Advisory Services
Replies: 22
Views: 2219

Re: Personnel turnover in Vanguard Personal Advisory Services

I am in PAS with the benefits of Flagship. Allegedly ;) As far as I know Flagship is no longer associated with a dedicated representative - you get whoever is available at the moment from the pool. Legacy assigned advisors probably remain, however - that's the case with my account at least. I just ...
by Steelersfan
Mon Nov 19, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Executor and Will
Replies: 24
Views: 2035

Re: Executor and Will

Here's a clickable URL for Bruce's citation:

http://www.legislature.mi.gov/(S(k2wqv0 ... l-700-3201

Which he already fixed.
by Steelersfan
Sat Nov 17, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Services Include Free Annual Tuneup. Q.’s to Ask?
Replies: 14
Views: 1686

Re: Flagship Services Include Free Annual Tuneup. Q.’s to Ask?

My problem (and it's a good problem) is that almost all my holdings have substantial capital gains, so any tune-up of my portfolio will cost me money in taxes. At this point (I'm 80+) I think I will just hold on till the step-up in basis happens. My situation is not far from yours and I'm happy to ...
by Steelersfan
Sat Nov 10, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Fund Admiral Shares Question
Replies: 25
Views: 2972

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: 15188

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: 504

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: 1316

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: 1316

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: 5717

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: 83
Views: 7119

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: 4464

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: 4464

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: 618

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: 1364

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: 1718

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: 805

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: 805

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: 1534

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: 2876

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: 1305

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: 1982

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: 4907

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: 4907

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: 1217

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: 690

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: 9818

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: 4907

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: 4907

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: 1239

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: 2887

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: 4886

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: 9159

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: 4886

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: 4886

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: 1152

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: 1430

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: 142
Views: 9572

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