Search found 3368 matches

by Steelersfan
Wed Feb 21, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 98
Views: 4368

Re: Long term care insurance

We have spent the last several months visiting and evaluating facilities for a family member who was suffering from dementia. We learned that the nicer ones require at least two years of accessible financial resources before they will accept someone for placement. It turns out that if that person r...
by Steelersfan
Thu Feb 15, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10072

Re: My Over $300K Vanguard Balance Disappeared?

It would help if Vanguard would report that balances are not available at the moment due to processing and to check back later rather than show data that looks real but in fact is garbage. I think lots of other institutions report from time to time on a web site that the data is temporarily not ava...
by Steelersfan
Sun Feb 11, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 18
Views: 744

Re: Best place to exchange dollars to euros?

An ATM when you arrive is the right answer. But use an ATM with a known bank's logo on it. Find out the name of a few large banks in the country so you'll know.

If you're not sure at the airport, wait until you get to a place with banks and ATMs. Use one of those.
by Steelersfan
Fri Feb 09, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: savings bonds as gifts? thru Treasury Direct
Replies: 4
Views: 386

Re: savings bonds as gifts? thru Treasury Direct

I just gifted several I-Bonds as gifts to my children. They were bonds which I had held for years so it was a taxable event for me, not them. Your sounds like new bonds so no gift tax.

I needed their name, account number and Social Security number.
by Steelersfan
Thu Feb 08, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: POD Beneficiary ID
Replies: 9
Views: 522

Re: POD Beneficiary ID

I opened a CD at Goldman Sachs Bank, an FDIC insured bank, last year. I just checked and they require a SSN for any TOD beneficiary.

So if you don't like your bank's policy, don't go there.
by Steelersfan
Wed Feb 07, 2018 5:37 am
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 3993

Re: Retired or close to it -- what do you hold in bond portion?

Retired for 10 years.

AA - 60% stocks/40% bonds

Taxable is Vanguard Intermediate Term Tax Exempt. Tax Advantaged is Total Bond Index.
by Steelersfan
Mon Feb 05, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Age Related Discounts?
Replies: 20
Views: 1629

Re: Age Related Discounts?

The Osher Institute operates on college campuses all across the U.S. It's for 55+ and offers adult education at very reasonable prices. ... FYI, I think each OLLI site sets its own age policy. The one near me is 50+. I stand corrected. I found the main Osher site and it says 50 and older as part of...
by Steelersfan
Sun Feb 04, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help on a large portfolio
Replies: 14
Views: 1182

Re: Help on a large portfolio

I have enough other sources of income that my estate will be passed to my adult children. Some say with that time frame I should hold a pretty high percentage (80%?) of stocks. I sleep better with a 60%/40% allocation and expect it will grow steadily over the years. I also gift to them every year. W...
by Steelersfan
Sun Feb 04, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Age Related Discounts?
Replies: 20
Views: 1629

Re: Age Related Discounts?

The Osher Institute operates on college campuses all across the U.S. It's for 55+ and offers adult education at very reasonable prices. Courses are usually taught by retired professionals but sometimes by college faculty. Some universities offer the ability to audit regular college classes on a spac...
by Steelersfan
Tue Jan 30, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Out of state 529 but still get in-state tax deduction?
Replies: 9
Views: 719

Re: Out of state 529 but still get in-state tax deduction?

I found this with Google search: In addition to federal tax benefits, many states offer full or partial state tax deductions for contributions to a 529 plan. Over 30 states, including the District of Columbia have such incentives available. Six of these states offer taxpayers a deduction for contrib...
by Steelersfan
Sat Jan 27, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Derisking my Portfolio with a Leveraged Mutual Fund
Replies: 35
Views: 1816

Re: Derisking my Portfolio with a Leveraged Mutual Fund

Stonebr wrote:
Sat Jan 27, 2018 4:38 pm
This idea of yours is so diametrically opposed to the Boglehead philosophy that you will get almost no sympathy or support here.
Within less than an hour your predictive powers shine through.

Have you ever thought about stock picking to leverage them? :oops:
by Steelersfan
Sat Jan 27, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Thank you
Replies: 10
Views: 577

Re: Thank you

I'll never understand how someone can lie to your face telling you their cost*/fees were only .60 basis points and you having the proof in hand it was actually 1.2, twice what the salesman's claiming, and you just let it slid on to the next unknowing shmucks back. Maybe it's a generational thing. I...
by Steelersfan
Fri Jan 26, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Riverboat trip on the Danube next October
Replies: 16
Views: 1093

Re: Riverboat trip on the Danube next October

Every once in a while the water level is so low they have to go to trains and buses for part of the trip. It's not likely to happen but it could. If it did, I'm sure Viking would handle it with their usual German efficiency. High water can also affect river cruises just as much https://boards.cruise...
by Steelersfan
Thu Jan 25, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 2476

Re: Bank signup bonus 1099

You still have to report them even if you don't receive a 1099.

Will the IRS catch you if you don't? Not very likely. Do you feel lucky?
by Steelersfan
Wed Jan 24, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Personal Umbrella insurance
Replies: 11
Views: 1203

Re: Personal Umbrella insurance

This gets asked quite regularly. Here are a couple of recent threads I found using the search option:

viewtopic.php?f=2&t=216579

viewtopic.php?f=2&t=238599

You can find lots more.
by Steelersfan
Mon Jan 22, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times
Replies: 29
Views: 5089

Re: Article: 8 Frugal and Forgotten Ways Your Great-Grandparents Made It through Hard Times

Great thread! I wish more shoes were repairable, but current rubber soles don't repair. I used Beacon Multi-grip marine glue to repair sneakers & rubber soles. :happy Shoe Goo! It didn't work so well for me. :( I was raised by Depression-era parents. Try as I might, I can't shake the lessons.
by Steelersfan
Sat Jan 20, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 47
Views: 5101

Re: Pros and Cons of High Rise Condos for retired couple

I'm retired and live alone in a condo. I live in a 2 bedroom unit and have 1250 square feet of space. I would not feel comfortable with much less space. I agree a one bedroom for two people is too small, especially if the square footage is small too.
by Steelersfan
Mon Jan 15, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F/G question
Replies: 5
Views: 585

Re: Medicare Plan F/G question

Starting in 2020 Plan F will not longer be able to accept new people. Plan G will be the surviving option for those who want maximum coverage. There may be a path from Plan F to Plan G but that's not assured. If that doesn't happen, Plan F will likely see increased premiums over time from an aging p...
by Steelersfan
Sat Jan 13, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Re: Yahoo Mail: Delete Not Working

would re-installing Yahoo mail help ? 1210 There's nothing installed on your PC for Yahoo mail. It runs entirely on Yahoo servers, accessed through whichever browser you're using. In that case, can Chrome be re installed. Obviously, I'm willing to try anything. Thank God for my cell phone. At least...
by Steelersfan
Sat Jan 13, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Re: Yahoo Mail: Delete Not Working

1210sda wrote:
Sat Jan 13, 2018 8:18 am
would re-installing Yahoo mail help ?
1210
There's nothing installed on your PC for Yahoo mail. It runs entirely on Yahoo servers, accessed through whichever browser you're using.
by Steelersfan
Fri Jan 12, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 2937

Re: Best Movies of 2017

It's animated so targeted to kids, but Coco is spectacular, even for adults.
by Steelersfan
Fri Jan 12, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail: Delete Not Working
Replies: 24
Views: 1258

Re: Yahoo Mail: Delete Not Working

I have a yahoo email and a gmail account that I use about equally, I've had no problem deleting Yahoo emails and did several of them today.
by Steelersfan
Wed Jan 10, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Computers Suck
Replies: 18
Views: 1452

Re: Computers Suck

Echo Silver is supposed to help with this problem. https://www.youtube.com/watch?v=YvT_gqs5ETk I bought a Kindle Fire with Alexa recently. I asked my daughter and her brothers what were the most useful things they used their Alexa for. She sent me that link and suggested I get that instead. I don't...
by Steelersfan
Tue Jan 09, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1821

Re: retiree health ins - how to propose to Employer?

Can a wise, knowledgeable person also address the question - how does COBRA apply to a small (40 employee) company? Q3: What group health plans are subject to COBRA? The law generally applies to all group health plans maintained by private-sector employers with 20 or more employees, or by state or ...
by Steelersfan
Tue Jan 09, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1821

Re: retiree health ins - how to propose to Employer?

If you were the employer would you do this if asked? There is no advantage for them. The employer will do this if asked in order to comply with the law. The advantage to the employer is they will not be sued or fined by the Department of Labor. It appears as though the spouse can only extend her be...
by Steelersfan
Tue Jan 09, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 41
Views: 2054

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

Be aware that a Bayern ticket restricts you to local and regional trains. Those take from 50% to 100% longer than the faster trains that run at least hourly. Bayern tickets also restrict you to departing after 9:00 so you won't arrive in most places until later in the morning. If you can plan your i...
by Steelersfan
Tue Jan 09, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1821

Re: retiree health ins - how to propose to Employer?

hi all, I am approaching retirement (66) this year. My wife is 10 years younger than me so health care insurance for her is a big concern. Especially now with the disruption in the Affordable Care Act. I barely know how to proceed. From what I see it doesn't even seem to be possible or practical to...
by Steelersfan
Tue Jan 02, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Act-no deduction for investment management fees
Replies: 7
Views: 1004

Re: Tax Act-no deduction for investment management fees

I don't know on such short notice they could have done anything to set up the ability to prepay fees. Plus they could not know what they would be since they vary depending on what assets values do over the course of the year. Plus, do you really think they would want to highlight how much in annual ...
by Steelersfan
Sat Dec 30, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Act discount
Replies: 9
Views: 1197

Re: Tax Act discount

Jerry55 wrote:
Sat Dec 30, 2017 3:23 pm

Does anyone know if it's still 5 free Fed e-files for 2017 taxes ???
Yup, for the download product. See the fine print.

https://www.taxact.com/tax-preparation
by Steelersfan
Fri Dec 29, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Tax Act discount
Replies: 9
Views: 1197

Re: Tax Act discount

Thanks for the notice. I saved $18.00.
by Steelersfan
Sat Dec 23, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Trust for a Vanguard Fund
Replies: 2
Views: 290

Re: Fidelity Trust for a Vanguard Fund

The reason they differed is because collective trust funds handle dividends differently than mutual funds: A regular mutual fund pays dividends. It does because it’s required by law to pass through dividends from the underlying holdings to the shareholders so the IRS can tax the shareholders. Becaus...
by Steelersfan
Wed Dec 20, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51123

Re: Tax Bill Omnibus Thread

KlangFool wrote:
Wed Dec 20, 2017 1:50 pm
Folks,

As per my understanding, I should donate to the charity now for whatever amount that I budgeted for next year. This is true if my total itemized deduction for 2018 will not exceed the new standard deduction limit.

Please confirm.

KlangFool
That's what I did and why I did it.
by Steelersfan
Mon Dec 18, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance After Retirement
Replies: 13
Views: 827

Re: Term Life Insurance After Retirement

If you have enough assets (or what you have plus SS and maybe a pension) is enough for your wife to live on comfortably, then drop it.

That's what I did, actually even before I retired.
by Steelersfan
Fri Dec 15, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7103

Re: Ancestry / 23andMe

Just came across this article in my inbox this morning and thought I would post it here. About 2/3rds of the way down the page they actually rank the various DNA testers on a one to ten scale. https://isogg.org/wiki/Autosomal_DNA_testing_comparison_chart Which is another (expert) opinion, if all yo...
by Steelersfan
Fri Dec 15, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 5034

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: 63
Views: 6648

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: 1499

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: 63
Views: 6648

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: 83
Views: 7103

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: 11928

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: 5387

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: 1324

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: 1780

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: 3538

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: 2567

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: 2486

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: 1805

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: 2062

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: 1519

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...