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Re: I don't think I can afford to die in Pennsylvania

rec7 wrote:
Johm221122 wrote:Give money now, don't wait until you die

John


If it would work it is an easy answer. Does PA have a gift tax?


No.
by Steelersfan
Wed Jul 30, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: I don't think I can afford to die in Pennsylvania
Replies: 35
Views: 2862

Re: Kroger for Gasoline

My regional supermarket (which also operates their own gas stations usually not located right at the market) gives me 10 cents for every $50 I spend on groceries. My local bank debit card gives me 3 cents more when I use it. I rarely pay even half the normal price for gas. I've gotten full tanks for...
by Steelersfan
Wed Jul 30, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 6
Views: 580

Re: How old are you?

With 122 respondents in, the results so far show that you don't need the wisdom of age to be a boglehead.

It's very encouraging to see so many under 35's on here. They outnumber the over 60 crowd.
by Steelersfan
Wed Jul 30, 2014 6:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 47
Views: 3008

Re: I don't think I can afford to die in Pennsylvania

If a nephew inherits a large traditional IRA in PA, then 15% is due as tax? The estate is taxed, not the recipient. After all he might not even live in PA. I'm not sure about this but it seems to me the estate could deduct the PA tax and thus any federal taxes on IRA withdrawals needed to pay the P...
by Steelersfan
Wed Jul 30, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: I don't think I can afford to die in Pennsylvania
Replies: 35
Views: 2862

Re: POLL: Wills vs. Living Trusts

Thanks for the responses all. I thought plain old wills would be much more common, but looks like it's neck and neck with wills + trusts. I expect as the reality of the higher estate tax limit ($5,340,000 per person, double that if you're married, and indexed in future years for inflation) sinks in...
by Steelersfan
Wed Jul 30, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Wills vs. Living Trusts
Replies: 34
Views: 2210

Re: I don't think I can afford to die in Pennsylvania

I live in PA and my heirs will be subject to the inheritance tax, some it at at 15% and some of it at the lower offspring rate. I'm not moving (family reasons and I like it here just fine). I'm sure they will be happy and grateful for whatever they inherit. And the state can use the money to fix up ...
by Steelersfan
Wed Jul 30, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: I don't think I can afford to die in Pennsylvania
Replies: 35
Views: 2862

Re: Geneological research for unclaimed property

You might to try this site, which has lots of very sophisticated front-ends to major genealogy sites. For Ellis Island, use first one, Ellis Island Gold Form (1892-1924). You can put in approximations of names and partial names in various ways. Note that the records are only public up to 1924 for pr...
by Steelersfan
Wed Jul 30, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Geneological research for unclaimed property

So the question is: Do the immigration databases give birth dates? Sort of, but it's whatever the immigration agent heard the person say and how truthful the person was. What they asked for was age and that doesn't give you an exact birth date. With a common name, unless you know the year of immigr...
by Steelersfan
Tue Jul 29, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Geneological research for unclaimed property

What about the Find a Grave forum? It's linked from the main page with a separate login/registration. There's a sub-tread for genealogical help, and the folks there like to search out stuff. Posting what you know for the specific person and what you're looking for might turn up a lead. If you're go...
by Steelersfan
Tue Jul 29, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Geneological research for unclaimed property

I have never been on those geneological sites because well, I don't care about dead relative from 100 years ago but can you not just copy and paste the info into excel and sort it that way? There's no "download" capability of search results on any of the sites so it would be entirely manu...
by Steelersfan
Tue Jul 29, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Geneological research for unclaimed property

Ah, okay. Too bad. There's someone in one branch of the family who died a mysterious death and it was all hush hush what he died from. In the interest of better learning the family's medical history, I volunteered to find the guy in a geneological search and order the death certificate. IOW, we cou...
by Steelersfan
Tue Jul 29, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Geneological research for unclaimed property

With all these free trials where you have to put in real personal data, why do I feel they will send unwanted solicitations to my ancestors? :D Got a quick question for anyone who knows...I was trying out a quick search on another part of the family and I was looking up an ancestor who never marrie...
by Steelersfan
Tue Jul 29, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Geneological research for unclaimed property

There is a subscription historical newspaper site, newspapers.com, which may be helpful. You can get a free look for 7 days but be careful to cancel to avoid fees. Newspapers.com has a lot of historical newspapers, apparently scanned from microfilm. If they happen to include the newspaper for the a...
by Steelersfan
Mon Jul 28, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Geneological research for unclaimed property

Divorces are a local issue and any documents from it would be in the county courts, so you have to know the state and the county where the divorce occurred.

You may not get anything more than a simple "John and Jane divorced in this county on this date".
by Steelersfan
Mon Jul 28, 2014 6:57 am
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Geneological research for unclaimed property

I'm with you as to the spouse. If they were divorced when he died, she ordinarily has no rights, unless the divorce decree required him to leave her something. It is rare that the decree would require a bequest, but it does happen, so get a copy of the divorce decree and you will have covered all t...
by Steelersfan
Sun Jul 27, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Does severance pay reduce or relace unemployment benefit

A potential advantage of receiving severance over time instead of a lump-sum is that while you are still on the severance "payroll" you may still be likely to get health benefits at employee rates. When severance payments end then the COBRA period normally begins and you will likely have ...
by Steelersfan
Sun Jul 27, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3000

Re: 401k Failed Discrimination Testing- What Do I Do?

Rainier wrote:Is your employer paying to fix this mess? They should.


Nope.

I had this happen to me one year so I have some experience with it.
by Steelersfan
Sat Jul 26, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k Failed Discrimination Testing- What Do I Do?
Replies: 6
Views: 1073

Re: Geneological research for unclaimed property

At some point, I can just pay the 20 bucks or so to get an actual death certificate and see if it sheds more light than the record of the death certificate. For gosh sakes pay to get the death certificate. It should have reliable dates of birth/death, and the parents/spouse of the deceased and his ...
by Steelersfan
Sat Jul 26, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Int'l Train Travel

There's no comparison for Western European trains with Amtrak. Western European trains are fast, clean and on time. You can usually get cheaper fares if you book a specific train departure time ahead of time, which makes them cheap way to travel. Plus there are no security bothers and they take you ...
by Steelersfan
Sat Jul 26, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1465

Re: Does severance pay reduce or relace unemployment benefit

In my state you don't get unemployment while you're getting severance. But my company did a creative thing and put the money for severance in a trust fund separate from the company and paid out of that so folks can get both at the same time. i don't know if they still do that since I've been retired...
by Steelersfan
Fri Jul 25, 2014 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3000

Re: Geneological research for unclaimed property

I think I can do that with a few death certficates. What I don't know is how to prove that the listed property owner's ex-spouse (who is deceased, again since we're dealing with people from the 1800s ) didn't remarry and have children. It seems finding marriage certificates is pretty easy, but find...
by Steelersfan
Fri Jul 25, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Geneological research for unclaimed property

Ancestry.com is often available for free at local libraries. Check with them before paying for a subscription. findagrave.com has over 110 million gravestones recorded, mostly by volunteers who walk the cemeteries. Do a look-up there and see if you can find him. Death certificates usually have paren...
by Steelersfan
Thu Jul 24, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 74
Views: 3256

Re: Moving from Edward Jones to Vanguard

With a long investment horizon, it will almost certainly make sense to take the capital gains hit and move out of the American funds to lower cost funds at Vanguard. But you don't need to take the hit all at one time unless you want to. You can instead spread it out over several years, one fund at a...
by Steelersfan
Fri Jul 18, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 9
Views: 1183

Re: How much energy does water heater use when I'm not home?

I used to turn the temperature down on the water heater when we went on longer vacations, then turned it back to normal when we returned.

That might be a middle ground.
by Steelersfan
Fri Jul 18, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: How much energy does water heater use when I'm not home?
Replies: 32
Views: 2727

Re: Just purchased a condo. Insurance question



Those links cover what I was trying to, but way better.
by Steelersfan
Fri Jul 18, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 939

Re: Just purchased a condo. Insurance question

I would contact the Board and find out what insurance the board carries. That would help you understand what coverage you require. Why not ask one of your board members this question? Agree - the condo association likely has language in its bylaws that require condo insurance and what type to get. ...
by Steelersfan
Fri Jul 18, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 939

Re: Pension expectations

I agree that few public pensions adjust for inflation.

So the real question for you is, what will $1,450 a month buy you 25 years from now?

I don't know either but it will be worth a whole lot less than it is today.

An equivalent amount 25 years in the past (1979) would be worth $450 today.
by Steelersfan
Fri Jul 18, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension expectations
Replies: 5
Views: 1011

Re: Dad had a whole life policy but it sounds like term life

This discussion seems unintelligent. Do you have a copy of the policy in your hand? How on earth is it that you can speculate without reading it? Also, $60K with $200/mo in premiums for 40 years does not add up, even if it was lower before and increased. I say grab a copy of the policy as is your r...
by Steelersfan
Fri Jul 18, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dad had a whole life policy but it sounds like term life?!
Replies: 25
Views: 1666

Re: Rate my insurance policy (Northwestern Whole Life)

I've got a similar policy from NML and I've decided to keep it in force. I asked about using the cash value to pay future premiums but that's not an option with my particular policy. Yours might be different. My cash value is returning close to 5% a year so that's a solid return for a no risk invest...
by Steelersfan
Mon Jul 14, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rate my insurance policy (Northwestern Whole Life)
Replies: 4
Views: 640

Re: Euros for a regular retail client

thank you very much for sharing, that was useful i guess i can just bite the bullet and bring only about $100 USD and exchange at chase... You're very unlikely to find a Chase ATM in Europe. Just use one of the major local banks or the Postal Service ATM if there is one. There will be multiple to c...
by Steelersfan
Mon Jul 14, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Euros for a regular retail client
Replies: 20
Views: 1737

Re: What after-tax income could you live on today?

kd2008, re: "Could the OP please clarify, is this per person or per household (which could include any number of people greater than or equal to one)? Thanks!" There just wasn't a way to account for those types of variations in a poll like this. My original intent, which I wasn't clear en...
by Steelersfan
Fri Jul 11, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5047

Re: Euros for a regular retail client

I travel quite a bit and I do not get the foreign currency at home which is always more expensive. Just get your Euro at the airport ATM on arrival. I haven't never had any problems doing this in Europe or Asia. I usually use my debit card from my bank. Make sure that you let your bank know that yo...
by Steelersfan
Fri Jul 11, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Euros for a regular retail client
Replies: 20
Views: 1737

Re: Voyager Select Financial Plan - Worth It?

Mick wrote: Most everything he recommended or we talked about matched what I had already read here on bogleheads.


I agree. If a person has been following and understanding the posts here for a while the review is much less useful.

I was new to the forum at the time so it gave me a good starting point.
by Steelersfan
Fri Jul 11, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Voyager Select Financial Plan - Worth It?
Replies: 13
Views: 1865

Re: Voyager Select Financial Plan - Worth It?

I did one a few year sago so it might have changed, i.e. become more cookie cutter, but I thought it was worthwhile. They took my entire portfolio into account, a good percentage of which was not Vanguard funds. They suggested several long term moves, most of which I have done in the interim. The co...
by Steelersfan
Fri Jul 11, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Voyager Select Financial Plan - Worth It?
Replies: 13
Views: 1865

Re: Engineer career change

Your goal should not be to maximize your compensation but to maximize your job satisfaction.

You've got along life ahead of you. Find something that you like, even if it pays you somewhat less.
by Steelersfan
Thu Jul 10, 2014 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engineer career change
Replies: 55
Views: 5526

Re: Euros for a regular retail client

I used both Euros from an ATM via my debit card once I got to Europe and credit cards at merchants and hotels about equally. I never took Euros with me except what few I might have brought back from a previous trip. I always did take a few hundred US dollars as a worst case, stop gap contingency tha...
by Steelersfan
Thu Jul 10, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Euros for a regular retail client
Replies: 20
Views: 1737

Re: Affordable health insurance

Lake Living wrote:
bluemarlin08 wrote:Rates for COBRA will for sure increase when your employer must meet ACA requirements.


Don't think this is accurate, mine didn't.


And if the company has more than 50 employees, I believe their policies already had to be ACA compliant in 2014.
by Steelersfan
Thu Jul 10, 2014 8:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2953

Re: Affordable health insurance

Go to ehealth.com and plug your info in and see what is available. You want to focus on a company like United Health Care (Golden Rule) due to their nationwide network versus BC. The problem, however, is that most companies will increase premiums at renewal. So compare these current plans with your...
by Steelersfan
Wed Jul 09, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2953

Re: POLL: How Old is Your Newest Motor Vehicle?

I only have one vehicle and I answered "Less than one year", but that's only because I traded cars about 6 months ago. My 17 year old Camry was still in perfect condition and I planned to keep it for another decade or so, but I just got an itch for a new car that got better mileage and all...
by Steelersfan
Tue Jul 08, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Old is Your Newest Motor Vehicle?
Replies: 37
Views: 2418

Re: Affordable health insurance

With COBRA you can extend your current coverage for up to 18 months. It will be exactly what you have now, from your same insurance company. You will play whatever you pay now, plus whatever subsidy your company provides you, plus a 3% administrative fee. The company's portion of the coverage, which...
by Steelersfan
Tue Jul 08, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable health insurance
Replies: 33
Views: 2953

Re: Valuing a personal residence for net worth purposes

I use recent sales prices of comparable places in my area, less what I think it would take to sell it. Zillow can be very inaccurate. I live in a multiple building condo. Units in my building it currently values at $130,000. Units in a more two desirable buildings, with almost identical specs, it va...
by Steelersfan
Sat Jul 05, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3994

Re: POLL: Are You Re-Balancing?

I answered "yes", presuming moving some out of equities and into bonds on June 5th is recently.
by Steelersfan
Fri Jul 04, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4975

Re: Changed Lawyers - Won't Transfer File

With, so many serious issues apparent with the old firm, are you even thinking about forms of delivery other than picking the files up yourself, to be sure you're getting everything?

The saying "penny wise and pound foolish" comes to mind.
by Steelersfan
Wed Jul 02, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2274

Re: Changed Lawyers - Won't Transfer File

The old law firm would have financial liability if the file didn't arrive at the new firm. Are you willing to waive that liability? Meaning, if it is lost in the mail? I would waive the liability... That's one possibility. Them putting an incorrect address on it, the mail gets tossed and is never f...
by Steelersfan
Wed Jul 02, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2274

Re: Changed Lawyers - Won't Transfer File

How large is the file, in years and inches?

The old law firm would have financial liability if the file didn't arrive at the new firm. Are you willing to waive that liability?
by Steelersfan
Wed Jul 02, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2274

Re: Hit our number, should we change our asset allocation?

How many grandchildren do you have? Are you investing just for yourself or for your favorite charity? If you want to leave a lot behind, you might just stick with the plan you have. Maybe I am asking whether your number is really "your" number. Very good point. What is your REAL number? M...
by Steelersfan
Mon Jun 30, 2014 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hit our number, should we change our asset allocation?
Replies: 34
Views: 2756

Re: Hiring a genealogy researcher in Eastern Europe

Here's an association that people have to pass an accreditation to get listed. That would be of some value. I know some who are accredited for my area and they're capable. https://www.apgen.org/ Search for country "Poland" or any other country of interest, either by where they live or whic...
by Steelersfan
Mon Jun 30, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Hiring a genealogy researcher in Eastern Europe
Replies: 7
Views: 492

Re: Help for my sister

If she remarries and loses the ex-spouse's SS benefit, isn't there some length of new marriage qualification she has to meet to be eligible for a SS benefit based on the new spouse's earnings? It doesn't appear so. But there are some cases when the new married spouse can collect on the ex-spouses's...
by Steelersfan
Mon Jun 30, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my sister
Replies: 21
Views: 1911

Re: Help for my sister

Possibly inadequate life insurance on the BF or the relationship falls apart, leaving her in financial straits at an age where jobs are hard to find. She would have more protection if they were married or some sort of legal contract existed. Update: Except I am not sure how that would affect her So...
by Steelersfan
Sun Jun 29, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my sister
Replies: 21
Views: 1911

Re: Too little for stretch IRA?

If you stretch it in an IRA you set up you have to take it per your life expectancy, or faster. Faster is the critical item. You could "stretch" it over just two or three years. It will be taxed as ordinary income in whatever year(s) you take the distribution(s). Whether that's worth it is...
by Steelersfan
Sat Jun 28, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Too little for stretch IRA?
Replies: 4
Views: 518
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