Search found 3859 matches

by Steelersfan
Wed Jan 27, 2021 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep the original of you will?
Replies: 42
Views: 2330

Re: Where do you keep the original of you will?

RubyTuesday wrote: Wed Jan 27, 2021 7:15 pm In a simple fire-resistant safe with the key in it.
+1.
I have my safe in a dresser drawer in an unused bedroom so I'm much more secure than you are. :oops:
by Steelersfan
Wed Jan 27, 2021 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep the original of you will?
Replies: 42
Views: 2330

Re: Where do you keep the original of you will?

I keep the original in a fireproof safe at home. The lawyer that prepared it has a copy. He's changed firms a couple of times since so I don't know where that one is. I'm sure he could find it if needed. My executor also has a copy.
by Steelersfan
Wed Jan 27, 2021 2:46 pm
Forum: Personal Investments
Topic: For Fee Planner vs. Flagship
Replies: 13
Views: 1158

Re: For Fee Planner vs. Flagship

I got one of the consultations from a CFP when I first got to Flagship level. As others have stated, those are no longer available. I thought it was useful, but the advice given here for free is at least as good. There's a format to use. Don't put any identifying information in and let the advice be...
by Steelersfan
Tue Jan 26, 2021 8:11 pm
Forum: Personal Consumer Issues
Topic: Would you want a sidewalk or no?
Replies: 47
Views: 3242

Re: Would you want a sidewalk or no?

Our upper middle class suburb is about 2/3 with sidewalks and 1/3 without. The areas without sidewalks are later developments, but interesting that the very most upscale neighborhood is older and it has no sidewalks, just extra wide streets. I think sidewalks are beneficial and definitely safer if t...
by Steelersfan
Sun Jan 24, 2021 6:55 am
Forum: Personal Finance (Not Investing)
Topic: strange email: what to do?
Replies: 15
Views: 2206

Re: strange email: what to do?

That's their number. https://nationwide.axosbank.com/Support ... Contact-Us

Call them. They're available 24 x 7.
by Steelersfan
Sat Jan 23, 2021 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Post when you have received various tax forms
Replies: 55
Views: 4030

Re: Post when you have received various tax forms

acljump wrote: Sat Jan 23, 2021 5:07 pm I see some posters have already received their SSA-1099 forms. Should I be concerned that neither of my parent's received theirs yet? In years past, they would have arrived on separate dates but would have arrived by now.
I haven't gotten mine. They will come in due time.
by Steelersfan
Wed Jan 20, 2021 7:44 am
Forum: Personal Finance (Not Investing)
Topic: [How to report 1099-R - CARES act repayment]
Replies: 22
Views: 1740

Re: Vanguard incorrect 1099-R - CARES act repayment

Thanks to the repliers. It now makes sense. Now I have to get HR Block to adapt that tax software for inherited CARES rollovers. Tax excitement. In TurboTax I had to NOT report it as an RMD but as a withdrawal, which then prompted a series of questions which I answered by saying I rolled the entire...
by Steelersfan
Fri Jan 15, 2021 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus $100 bonus
Replies: 44
Views: 4315

Re: Marcus $100 bonus

I've had a CD there for a couple of years and I'm completely satisficed.
by Steelersfan
Fri Jan 15, 2021 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus $100 bonus
Replies: 44
Views: 4315

Re: Marcus $100 bonus

This is what sets the Bogleheads apart from the rest of the U.S. population. Getting excited about moving $10,000 around for a $100 bonus. :D
by Steelersfan
Thu Jan 14, 2021 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else get emotional while creating their death package?
Replies: 76
Views: 6557

Re: Anyone else get emotional while creating their death package?

ApeAttack wrote: Wed Jan 13, 2021 11:34 pm
Steelersfan wrote: Wed Jan 13, 2021 8:29 pm Nope. I'm an engineer, and engineers don't get emotional. :D
Not even when the Steelers have a bad playoff game? :twisted:
That's low, man. :D

I'm not much of a Steelers fan. Maybe I should change my name. :?:

I turned the game off at halftime.
by Steelersfan
Wed Jan 13, 2021 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else get emotional while creating their death package?
Replies: 76
Views: 6557

Re: Anyone else get emotional while creating their death package?

Nope. I'm an engineer, and engineers don't get emotional. :D

I update mine every two or three years so it's become pretty routine. I don't need to do it more often because I'm a "stay the course" kind of guy.
by Steelersfan
Sun Jan 10, 2021 6:29 pm
Forum: Personal Consumer Issues
Topic: expensive family vacations with adult children?
Replies: 43
Views: 3243

Re: expensive family vacations with adult children?

We've paid lodging, meals and entrance fees for our adult children and their kids for years to get together, and will keep doing it. It's the best thing we do every year.
by Steelersfan
Thu Jan 07, 2021 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: I bond value at maturity date?
Replies: 10
Views: 772

Re: I bond value at maturity date?

I-Bonds from the early 2000's are the best, safest, fixed income vehicle on the planet these days.

Keep them.
by Steelersfan
Thu Jan 07, 2021 6:06 pm
Forum: Personal Consumer Issues
Topic: Recommend a free business checking account
Replies: 11
Views: 688

Re: Recommend a free business checking account

What "business" services do you need? It's possible any online checking account will be fine.

Here's Nerdwallet's opinion of the best ones, all free: https://www.nerdwallet.com/best/banking ... g-accounts
by Steelersfan
Fri Jan 01, 2021 8:17 pm
Forum: Personal Consumer Issues
Topic: Florida driving: Sunpass vs E-ZPass... will they become compatible soon?
Replies: 15
Views: 1225

Re: Florida driving: Sunpass vs E-ZPass... will they become compatible soon?

In Pennsylvania, it depends who issues your E-ZPass account. Accounts issued by Pennsylvania Turnpike have a $3 annual fee. Accounts issued by the DRJTBC and DRPA have their own fee schedule. Thanks for the clarification. I never noticed that before. $3.00 a year pales in comparison to what I'm sav...
by Steelersfan
Fri Jan 01, 2021 6:45 pm
Forum: Personal Consumer Issues
Topic: Cross Country Move IL to FL Late Feb - What Moving Company Do You Recommend or Not?
Replies: 4
Views: 187

Re: Cross Country Move IL to FL Late Feb - What Moving Company Do You Recommend or Not?

We are 60 and do not want to load unload or drive a UHaul or similar truck and do this all ourselves...its too much stress for my husband especially, so that is not being considered. To those who have moved long distance relatively recently, who did you use, were you satisfied, what should we look ...
by Steelersfan
Fri Jan 01, 2021 6:39 pm
Forum: Personal Consumer Issues
Topic: Florida driving: Sunpass vs E-ZPass... will they become compatible soon?
Replies: 15
Views: 1225

Re: Florida driving: Sunpass vs E-ZPass... will they become compatible soon?

Jack FFR1846 wrote: Fri Jan 01, 2021 5:34 pm
RudyS wrote: Fri Jan 01, 2021 4:57 pm
No monthly charge on EZ Pass plans bought in Massachusetts. This will be state specific.
None in NY either.
None in PA either
by Steelersfan
Mon Dec 28, 2020 8:43 am
Forum: Personal Finance (Not Investing)
Topic: TreasuryDirect POD transfer
Replies: 11
Views: 963

Re: TreasuryDirect POD transfer

Won't the TOD designation override the will, and when the wife distributes the cash to the siblings, won't those will be considered gifts?

Depending on the amount distributed, she may then have to file gift tax forms for each of them.
by Steelersfan
Sat Dec 26, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: TurboTax 2020 Price
Replies: 27
Views: 3527

Re: TurboTax 2020 Price

I just got it. Thanks for the heads up. I didn't get the gift card, too much small print conditions. I got the CD. I ordered it today and got the $10.00 gift certificate. What small print conditions made you decide to skip it? It looks like free money to me. It seemed like I am also signing up for ...
by Steelersfan
Sat Dec 26, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: TurboTax 2020 Price
Replies: 27
Views: 3527

Re: TurboTax 2020 Price

PinotGris wrote: Sat Dec 26, 2020 5:08 pm
I just got it. Thanks for the heads up. I didn't get the gift card, too much small print conditions. I got the CD.
I ordered it today and got the $10.00 gift certificate. What small print conditions made you decide to skip it?
It looks like free money to me.
by Steelersfan
Wed Dec 23, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: Found employee ID/Access badge from former employer 1 year later
Replies: 28
Views: 2386

Re: Found employee ID/Access badge from former employer 1 year later

You deserve a Bogleheads' Gold Star for wanting to do the right thing.
by Steelersfan
Mon Dec 21, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: 100% of your estate to your spouse and then kids?
Replies: 25
Views: 2351

Re: 100% of your estate to your spouse and then kids?

Everything to the spouse via beneficiary designations and will. If she's not around, everything's divided equally among the (adult) kids via beneficiary designations and will. If the one or more of the kids aren't around, their share goes to their descendants, per stirpes.
by Steelersfan
Mon Dec 21, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: Buildings burned by Sherman
Replies: 14
Views: 2787

Re: Buildings burned by Sherman

Historical Societies in some towns that were burned may be your best bet. Google will find them, then emails or phone calls.
by Steelersfan
Sun Dec 20, 2020 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Criteria for a monetary gift given by check to count for the 2020 tax year?
Replies: 13
Views: 1242

Re: Criteria for a monetary gift given by check to count for the 2020 tax year?

Presumably you're asking this because the gift tax limit for exclusion for estate tax purposes is currently $15,000. And the gift amount is greater than $15,000. What are the odds the IRS will question the date many years (decades?) later when your executor files your estate tax return? And your est...
by Steelersfan
Sun Dec 20, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: How does a rental condo work?
Replies: 23
Views: 1748

Re: How does a rental condo work?

Since you didn't even include repairs it sounds like a horrible investment. Repairs for sure, and maybe replacing stuff that's broken and more maintenance than you would if you lived there by yourself. Renters expect an extra clean unit to occupy, and may not be as careful with the unit during the ...
by Steelersfan
Thu Dec 17, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Who Dropped the Ball? Condo Shared Terrace
Replies: 52
Views: 4798

Re: Who Dropped the Ball? Condo Shared Terrace

Maybe at some point in the past the two units were owned by friends, and the door was put in to allow both unit owners to use the terrace. That would almost certainly be a violation of condo rules if it was done without the permission of the condo association. Have you approached the other unit owne...
by Steelersfan
Thu Dec 17, 2020 7:56 pm
Forum: Personal Investments
Topic: S&P 500 or total stock market index?
Replies: 54
Views: 4355

Re: S&P 500 or total stock market index?

I've used each of Total Stock, S&P 500 and Large Cap Index to tax loss harvest between. Their performance is nearly identical.
by Steelersfan
Tue Dec 15, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: The pros and cons of gifting money to children early?
Replies: 155
Views: 9787

Re: The pros and cons of gifting money to children early?

I've been gifting every year for the last 18 years. It's been nothing but positive. The kids with children have used it to fund 529 plans and all of them use it for things they might not otherwise be able to do, including funding their retirement plans. I've watched carefully to see that it hasn't a...
by Steelersfan
Fri Dec 11, 2020 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you buy extended auto warranties?
Replies: 70
Views: 4392

Re: Do you buy extended auto warranties?

Never, on cars or anything else.
by Steelersfan
Fri Dec 11, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: Favorite Travel Experiences
Replies: 178
Views: 12716

Re: Favorite Travel Experiences

I've experienced much of the U.S. and northern Europe and greatly enjoy visiting cities and the museums and cultural life there, but my three favorites are: Yellowstone, Zion, and cruising the Inside Passage to and from Alaska.
by Steelersfan
Tue Dec 08, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: PSA: Google Project Sunroof
Replies: 17
Views: 1713

Re: PSA: Google Project Sunroof

For my six unit condo building they estimate the upfront cost (after incentives) to be $24,000, with a payback of 14 years. That's not a good investment IMHO.

We have flat roofs. I don't know if that matters, or if they take that into account.
by Steelersfan
Sun Dec 06, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Real Estate Gurus: What Elements Allow Deposit Refund?
Replies: 20
Views: 1375

Re: Real Estate Gurus: What Elements Allow Deposit Refund?

Recognize that condo units usually turn over much more frequently than residential houses. So you may not have an issue with the current units above, below or beside you, but you have when one of them sells and new occupants move it. Disclosure: I've lived in my condo unit for 18 years. I've had thr...
by Steelersfan
Sun Dec 06, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: I feel stupid, but how do I use a computer?
Replies: 24
Views: 2981

Re: I feel stupid, but how do I use a computer?

I used Windows products my entire working life and the first ten years I was retired. I easily switched to the Libre Office suite rather than pay for Office. I occasionally use Google Docs and it's an easy alternative too. In either, you can save the documents in Office format if you want to share w...
by Steelersfan
Sat Dec 05, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Experiences w/ Compensation Band Adjustments?
Replies: 5
Views: 560

Re: Experiences w/ Compensation Band Adjustments?

My experience isn't recent, but I was part of the management team that did these at different times, and each time we dealt with it differently. One time we just adjusted bands and made no salary adjustments, but raises in future years occurred more rapidly and in larger amounts. Another time we adj...
by Steelersfan
Thu Dec 03, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Best heating method for house without lowering humidity?
Replies: 56
Views: 3928

Re: Best heating method for house without lowering humidity?

This problem was solved a long time ago and then the solution forgotten. Years ago I had an old house with large cast-iron hot water radiators. Some of the radiators were in a steel enclosure with a pan resting on top of the radiator. You put some water in the pan and that would evaporate slowly an...
by Steelersfan
Thu Nov 26, 2020 9:54 pm
Forum: Personal Consumer Issues
Topic: Trading a BMW for a Toyota
Replies: 84
Views: 6763

Re: Trading a BMW for a Toyota

Camrys are much larger cars than what you have. You might look at Corollas to get a car more like what you have. Or other Toyota models.

Disclosure: Toyota fan for many years, and I went from a Camry to a Corolla when I realized how large they had gotten over several model years.
by Steelersfan
Sat Nov 21, 2020 6:59 pm
Forum: Personal Investments
Topic: Percentage of the vanguard int. stock Index
Replies: 38
Views: 2626

Re: Percentage of the vanguard int. stock Index

abuss368 wrote: Thu Nov 19, 2020 8:58 pm Jack Bogle believed that the overseas revenue and earnings of the S&P 500 companies was enough international exposure.
I mostly agree with John, but I have 15% of my equity international.
by Steelersfan
Tue Nov 17, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: Easiest Way To Transfer To A New Computer
Replies: 22
Views: 1965

Re: Easiest Way To Transfer To A New Computer

How often do you replace your computer? I only do it once every eight years or so, and I prefer doing it manually. I get new copies of the programs I use and transfer my data using external disk drives. Everything else (i.e all the crap that's built up) I leave behind. I keep the old computer until...
by Steelersfan
Fri Nov 06, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: What do you give your adult children at holiday time?
Replies: 175
Views: 12553

Re: What do you giver your adult children at holiday time?

Two get checks, one prefers a wine club annual membership.
by Steelersfan
Tue Nov 03, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: “Fairness” with adult kids
Replies: 21
Views: 2277

Re: “Fairness” with adult kids

Three adult children, two married with two children each. One unmarried with no children. All financially successful.

Each child gets the same, with no consideration for if or how any kids they have.
by Steelersfan
Tue Nov 03, 2020 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: HOA stopping my rental
Replies: 80
Views: 8208

Re: HOA stopping my rental

I'm on the board of a 44 unit condo, so a little different than a HOA. In the early 2010's we were approaching 50% rentals and decide to amend our bi-laws to bar rentals, except we grandfathered in anyone who had a rental unit at the time. It passed with the required 2/3 majority of unit owners, inc...
by Steelersfan
Tue Oct 20, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Strategy for a Non-profit
Replies: 6
Views: 1067

Re: Exit Strategy for a Non-profit

Make sure the non-profit doesn't have any ownership rights to the software created while you were there. It's unlikely with a non-profit but would be true for many corporations.
by Steelersfan
Mon Oct 19, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Wills/Trusts - Retirement Account Beneficiary
Replies: 30
Views: 1798

Re: Wills/Trusts - Retirement Account Beneficiary

When our kids were young everything went into a trust for their benefit via will. When they became adults we dropped the trusts and everything is passed by beneficiary for retirement accounts and by will for everything else.
by Steelersfan
Sun Oct 18, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: Should I get a ping pong table?
Replies: 75
Views: 3832

Re: Should I get a ping pong table?

We had both, one at a time, first the pool table then a ping pong table. The pool table got more use, but when it was time to get rid of it we had to give it away, and had to help disassemble it and carry it into the purchaser's home. They are very heavy. The ping pong table got use by me and our ki...
by Steelersfan
Sun Oct 18, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 380
Views: 31623

Re: Hedging the 2020 Election

I'm doing the same hedging I did in 2016,
and 2012,
and 2008,
and 2004.

None
by Steelersfan
Wed Sep 23, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1839

Re: How does brand new credit card get compromised?

I had two credit cards compromised this summer within a couple of weeks of getting the new ones, each replaced due to fraudulent transactions. I decided my PC was probably compromised and it was about time to get a new one anyway.

New PC - no fraudulent charges since.
by Steelersfan
Wed Sep 23, 2020 6:09 pm
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 3014

Re: How Many Brokerage Companies Are Too Many?

One is plenty for me. Even if something happened at Vanguard I know my securities are secure at the custody bank that holds them.

Besides that, I have a checking account at a local bank that would hold me for more than a month and a CD at an online bank that would hold me for another six months.
by Steelersfan
Sun Sep 20, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Best shoes for running?
Replies: 65
Views: 3399

Re: Best shoes for running?

Go to a specialty running store and ask them to analyze your gait and try a lot of different shoes. And buy the shoes there, not online, since they are providing the service. Fleet Feet is a national chain and there are lots of independent stores too. +1 on that. Everybody's feet are different, fee...
by Steelersfan
Sat Sep 19, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Condo fees & insurance costs; what is fair?
Replies: 10
Views: 1138

Re: Condo fees & insurance costs; what is fair?

My condo has a different configuration that yours - 7 buildings with 6 units in each building and our condo fees are determined by square feet. We have several different size units. I have one of the largest units so pay one of the largest condo fees. I'm fine with that. No one has made an issue abo...