Search found 3410 matches

by Steelersfan
Sat May 19, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Insurance or Betterment
Replies: 3
Views: 313

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: 1123

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: 1123

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: 8699

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: 2294

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: 1320

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: 1197

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: 1261

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: 974

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: 2614

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: 2077

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: 11340

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: 1401

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: 1986

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: 1226

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: 568

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: 1226

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: 2957

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: 967

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: 351

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: 2619

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: 8656

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: 1250

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: 1531

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: 6037

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: 6037

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: 6037

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: 6037

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: 6037

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: 6037

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: 1705

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: 3095

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: 1462

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: 1462

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: 4428

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: 1138

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: 1088

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...
by Steelersfan
Tue Mar 06, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need umbrella insurance?
Replies: 21
Views: 1611

Re: Do I really need umbrella insurance?

I went through adult life without an umbrella policy even though I did things that some might consider risky - driving kid's friends to sports practices and games, being a sports official. My asset range always made me a potential target for a law suit but I ignored the risk. After reading this foru...
by Steelersfan
Mon Mar 05, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2610

Re: Big umbrella increase: anyone else's risen dramatically?

You will see a dramatic increase in premium if anyone in your household reached age 70 before the policy renewed. I believe age of insured(s) is one of the questions on the annual renewal form. $1mm policy with Erie Insurance for single person household. $128 a year - no change from last year even ...
by Steelersfan
Sat Mar 03, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: notice that fidelity password blocked
Replies: 18
Views: 1241

Re: notice that fidelity password blocked

I've had that happen a time or two and it's been because someone mistyped their username and keyed in mine instead. Then they tried their valid password which of source didn't match. Three tries later my account was locked. I'm not saying for sure that's what happened, but following the advice above...
by Steelersfan
Thu Mar 01, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: American Funds Actuve Management beats Index Funds
Replies: 16
Views: 1957

Re: American Funds Actuve Management beats Index Funds

I held an American Funds fund from the early 2000's until a couple of years ago. I just checked my brochure from 2007 and my American Fund (I suspect others were similar) held 30% of it's assets in foreign companies. The early to mid 2000's were a very good time for non-US stocks, so that fund easil...
by Steelersfan
Wed Feb 21, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 7534

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: 10500

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: 959

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: 424

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: 548

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: 4296

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: 1750

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: 1278

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...