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Re: Power vent water heater noise

Timoneer wrote:
Mine is comparable to a bathroom exhaust fan.


I have 2 bathroom fans: one is so quiet you can barely hear it, one is loud enough to hear 25 feet away. Which one is your closer too?
by runner9
Fri Aug 01, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 7
Views: 235

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 fo...
by runner9
Fri Aug 01, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Kroger for Gasoline
Replies: 31
Views: 1815

Re: Is this a Vanguard quirk? [Adding beneficiaries to accou

I agree that any scheme to access accounts after death is a poor idea so if you want the son to have the assets if both die make him a TOD beneficiary which for a joint account only becomes effective if both account holders die. Aren't we discussing that there is no beneficiary option on joint taxa...
by runner9
Thu Jul 31, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a Vanguard quirk? [Adding beneficiaries to account]
Replies: 36
Views: 3594

Re: Your Best Tips for Selling on eBay/Amazon/Similar?

Are you planning on selling individual thing, like 1 copy each of several books, or many of the same item, like 30 bracelets, available for sale in any quantity?
by runner9
Thu Jul 31, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Your Best Tips for Selling on eBay/Amazon/Similar?
Replies: 11
Views: 932

Re: How to keep family informed

http://www.vanguard.com/pdf/bdbp.pdf?2210039149

On the 4th page, "Page 2 of 2":

"Note that Vanguard has no obligation to locate your beneficiaries or inform them of their status."
by runner9
Wed Jul 30, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 34
Views: 2242

Re: Fidelity Charitable Fund Questions

I'm sure a few minutes spent looking over their annual report would provide some insight:

http://www.fidelitycharitable.org/2013-annual-report/index.shtml
by runner9
Wed Jul 30, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Charitable Fund Questions
Replies: 18
Views: 721

Re: How to keep family informed

Vanguard clearly states that they have no obligation to notify or find descendents of someone who died.
by runner9
Wed Jul 30, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 34
Views: 2242

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

I second jimb. It's like saying oh no, I don't want to win $1mil in a contest because I'll only really get $600K, or whatever it is. If the prize was not liquid, like a car, ok, they'd have to come up with cash in addition. Since they're inheriting money can't they pay some of it for taxes? I don't ...
by runner9
Wed Jul 30, 2014 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: I don't think I can afford to die in Pennsylvania
Replies: 35
Views: 3181

Re: Riding the Rails--my Amtrak trip

Thanks for the update!

$3500 a month in rent, wow! Can I ask what they do for a living?
by runner9
Wed Jul 30, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 52
Views: 5471

Re: How to keep family informed

If one dies with accounts at Vanguard this is the best page I found for starting the process: https://personal.vanguard.com/us/whatweoffer/overview/inherit-account In my personal experience, the survivor needs the name, last four of SSN, address and zip code for the deceased. If Flagship they will t...
by runner9
Wed Jul 30, 2014 7:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 34
Views: 2242

Re: Help with a new $5m portfolio for an old lady

Why does an 82 year old need $180K to $200K a year? Does she have high medical costs? Does she travel around the world constantly? That just seems like a ton of money, most families with kids live off far less.
by runner9
Wed Jul 30, 2014 7:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4231

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.
by runner9
Tue Jul 29, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 77
Views: 3546

Re: Fidelity Customer Protection Guarantee

With arbitration clauses in so many agreements it's doubtful Vanguard would end up in court. It's in the Fine print of most every sign up form I've seen from Vanguard
by runner9
Tue Jul 29, 2014 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 22
Views: 1470

Re: Help with a new $5m portfolio for an old lady

Does she have no other income like social security? Are there RMD?
by runner9
Tue Jul 29, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with a new $5m portfolio for an old lady
Replies: 59
Views: 4231

Re: Help with "Cost Basis Adjustment Form for Inherited Shar

According to Vanguard rep: This is the only form they have for adjusting the cost basis for inherited shares. Community property states would use the same form but might fill it out differently. My parent can choose to not step up the value and therefore not complete the form. Or, choose to step up ...
by runner9
Tue Jul 29, 2014 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with "Cost Basis Adjustment Form for Inherited Shares"
Replies: 23
Views: 687

Re: Help with "Cost Basis Adjustment Form for Inherited Shar

For the above example, sscritic, for community property or other states?
by runner9
Mon Jul 28, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with "Cost Basis Adjustment Form for Inherited Shares"
Replies: 23
Views: 687

Re: Help with "Cost Basis Adjustment Form for Inherited Shar

Thanks LadyGeek. That was another question I was going to ask them. I'm sure my parent will want to send this with a tracking number, not in a bunch of prepaid envelopes of various sizes. So I'm clear, what should the cost basis be, the same that it was before my parent died (original amount) or the...
by runner9
Mon Jul 28, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with "Cost Basis Adjustment Form for Inherited Shares"
Replies: 23
Views: 687

Re: Help with "Cost Basis Adjustment Form for Inherited Shar

Also, on the original linked form in question it stated that the form only needs to be completed "if one or more of the following are true:......The inherited shares are being transferred from any account other than an account registered solely in the decedent's name." As this is true (it ...
by runner9
Mon Jul 28, 2014 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with "Cost Basis Adjustment Form for Inherited Shares"
Replies: 23
Views: 687

Re: Help with "Cost Basis Adjustment Form for Inherited Shar

One of the other forms does say, on page 1: "If you're transferring from an individual account because a current account owner is deceased, we'll automatically designate the shares as inherited, using the date of death on the death certificate. The cost basis of the shares will be updated based...
by runner9
Mon Jul 28, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with "Cost Basis Adjustment Form for Inherited Shares"
Replies: 23
Views: 687

Re: Help with "Cost Basis Adjustment Form for Inherited Shar

Ok, thanks. I respect both of your opinions. Just to repeat, this is in regards to a previously joint with rights of survivorship with 2 married people as the holders and 1 died. If this is the wrong form, what specifically should I tell/ask Vanguard when I or my surviving parent calls? How do I kno...
by runner9
Mon Jul 28, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with "Cost Basis Adjustment Form for Inherited Shares"
Replies: 23
Views: 687

Re: Is this a Vanguard quirk? [Adding beneficiaries to accou

If the OP is still wondering if this is for sure the case at Vanguard here's the form which clearly states it doesn't apply to joint accounts if not already set up.

http://www.vanguard.com/pdf/bdbp.pdf?2210039149

As to why, I don't know.
by runner9
Mon Jul 28, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a Vanguard quirk? [Adding beneficiaries to account]
Replies: 36
Views: 3594

Help with "Cost Basis Adjustment Form for Inherited Shares"

One of my parents died in late April, the parent who controlled and managed all investments. I’m starting the process with the surviving parent to switch over a traditional, rollover and Roth and change a non-retirement that was jointly held. Vanguard sent 4 forms after our initial call. I’m stuck t...
by runner9
Mon Jul 28, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with "Cost Basis Adjustment Form for Inherited Shares"
Replies: 23
Views: 687

Re: Money Market

I previously have with Fidelity, back before the recession when they were paying 5%. Right now Vanguard's money market pays 0.01 or 0.02 Are you looking for simplicity? If looking for interest rates I'd look elsewhere, like Ally, etc.
by runner9
Mon Jul 28, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Money Market
Replies: 5
Views: 681

Re: Steps to take to prevent ID theft?

My parents both had credit freezes. My parent who died had utilities in his/her name. Surviving parent has switched all to his/her name, the gas company was the only one who realized their was a credit freeze and made the surviving parent thaw it to open the account. I'm not sure if electric and cab...
by runner9
Sun Jul 27, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Steps to take to prevent ID theft?
Replies: 22
Views: 2149

Re: Portfolio help-newbie

A bump and a question. Are you considering/planning to move some accounts to one bank/investment company? You have accounts all over the place, for instance his checking and her checking at 2 different banks, his brokerage and her taxable at 2 places (different from first 2), 2 His Roths at 2 places...
by runner9
Thu Jul 24, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help-newbie
Replies: 5
Views: 558

Re: Prioritizing Finances

I'd vote for putting everything to the 6.6% student loan and have it paid off in a little over a year.
by runner9
Thu Jul 24, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prioritizing Finances
Replies: 5
Views: 777

Re: Geneological research for unclaimed property

You might have luck with the library in the area where the obituary may have been published.

Qualified disclaimer is current wording for refusing an IRA, etc as beneficiary and allowing it to pass to the next generation. It's 9 months, non-reversible.
by runner9
Thu Jul 24, 2014 11:59 am
 
Forum: Personal Consumer Issues
Topic: Geneological research for unclaimed property
Replies: 77
Views: 3546

Re: Help with fixing my portfolio

[OT comment removed by admin LadyGeek] In context: My financial goal is to set up a portfolio that will help pay for near term expenses (buying a house, a new car, and getting through college) as well as saving for retirement, future children's education and leave some money for grandchildren. Real...
by runner9
Wed Jul 23, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with fixing my portfolio
Replies: 6
Views: 579

Re: Help with fixing my portfolio

Debt: $75 Is this the correct figure? Why not pay it off for simplicity, piece of mind, etc. I have heard that if you fall into the 10 - 15% Federal Income Tax bracket, you will not have to pay capital gains tax on long term investments. Is this true? If so, would it be advisable to liquidate Taxab...
by runner9
Tue Jul 22, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with fixing my portfolio
Replies: 6
Views: 579

Re: Taxable Accounts - Am I thinking about this the right wa

I think so as well, but make sure to realize that they paid less taxes when putting the money in tax-deferred than in taxable.
by runner9
Tue Jul 22, 2014 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable Accounts - Am I thinking about this the right way?
Replies: 30
Views: 2736

Re: 35K maximum retirement contribution a year for a person?

And get ready to pay a good bit of taxes when you turn 70.5
by runner9
Tue Jul 22, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: 35K maximum retirement contribution a year for a person?
Replies: 16
Views: 1449

Re: New job: HSA and Flex (FSA) same year...FSA limit?

Not really addressing your questions (sorry) but why not look to switch dentists to one in your new insurance plan?

We (2 adults, one kid) spend about $300 out of pocket on health copays, the dentist and eye doctor which our FSA will pay for.
by runner9
Tue Jul 22, 2014 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: New job: HSA and Flex (FSA) same year...FSA limit?
Replies: 3
Views: 417

Re: Problems accessing the site

HueyLD wrote:Send Alex a PM. I had similar problems in the past and Alex fixed it.


Which can be done from his member page, linked here:
http://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=254
by runner9
Mon Jul 21, 2014 4:17 pm
 
Forum: Forum Issues and Administration
Topic: Problems accessing the site
Replies: 6
Views: 493

Re: Spouse to assume or inherit IRA?

Thanks again Alan S. Vanguard says the surviving parent can rollover the IRA into their own to have 1 single IRA account, per type. (I just called them) It seems somewhat 6 of 1, half dozen of the other. Take RMD in 4 years or let the amount ($1.03 million) grow for an additional 3 more years and th...
by runner9
Mon Jul 21, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse to assume or inherit IRA?
Replies: 10
Views: 1386

Re: Helping My Grandmother

EDIT: Sorry I forgot to include it before, but please don't suggest paying down the mortgage. I know it's 5.25% return, but she doesn't have the money to do it. After paying mortgages, taxes, electric bill, gas bill, car insurance, etc. She has about $100 left for the month to pay for food and gas ...
by runner9
Sun Jul 20, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3186

Re: Suggestions for the Wiki

Maybe I'm missing it, but is there a "landing page" for learning about taxable accounts? Searching the wiki for taxable, taxable account and nonretirement account don't bring up any single page that explains all aspects of these accounts. I found one page on capital gains taxation, one on ...
by runner9
Sat Jul 19, 2014 7:19 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 263
Views: 97832

Re: USPS Shipping Problem Again

Only problem I've had with any carrier was a Dell laptop new, shipped from Dell using FedEx. We weren't home, then left a tag that they tried, the computer showed they'd tried once but not delivered it.....and it was never seen again as far as I know. FedEx searched their facility twice, according t...
by runner9
Sat Jul 19, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: USPS Shipping Problem Again
Replies: 19
Views: 878

Re: Spouse to assume or inherit IRA?

Thanks Alan S. for the informative response. We called Vanguard yesterday and they're sending paperwork to transfer the accounts into my surviving parent's name. The paperwork will come with assume vs. inherited unchecked, and we're still discussing that. My surviving parent would like thing simplie...
by runner9
Fri Jul 18, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse to assume or inherit IRA?
Replies: 10
Views: 1386

Re: Refinance ?

Bratty wrote:Another question, has anyone done business with cashcall?


http://www.bogleheads.org/forum/viewtopic.php?f=11&t=116727&p=1700851

A couple posters mention them in this thread, you could always PM them and see if they'd provide more details on their experiences.
by runner9
Wed Jul 16, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance ?
Replies: 14
Views: 874

Re: LED bulb prices

That said, we've looked at switching and decide every time that LEDs still are too expensive. We use these CFLs, and are happy with them. Just $1.24 a piece, can't beat it. (we like the 5000K look, but they also have the more yellow kind) I believe Consumer Reports rated them highly a few years ago...
by runner9
Tue Jul 15, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 14064

Spouse to assume or inherit IRA?

As detailed in a couple of other threads, one of my parents died in April. That parent was 63 and in charge of investing/banking etc. Surviving parent is 67 and we're calling Vanguard together this week to start the process with them, having all the bank/credit cards etc already taken care of. Survi...
by runner9
Sat Jul 12, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse to assume or inherit IRA?
Replies: 10
Views: 1386

Re: POLL: Walmart vs Amazon

I compare current to prior prices on Amazon using http://www.camelcamelcamel.com Just copy and paste the amazon link into the search bar at the top.

I can see if the price is low, high, average compared to what it's previously been.
by runner9
Sat Jul 12, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8143

Re: Advice on my Savings/Investments

. Approximately $0,000 net each year from rentals. Guessing you're missing a number here. Curious what your combined monthly take home pay is and how much your expenses for mortgages, property tax, etc. are. I'll let others comment on your questions and information, especially owning individual sto...
by runner9
Sun Jul 06, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on my Savings/Investments
Replies: 2
Views: 411

Re: Bought AAMRQ before it changed to AAL - LT gain tax ques

Just so we're clear, are these holdings in a taxable account?
by runner9
Sun Jul 06, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought AAMRQ before it changed to AAL - LT gain tax question
Replies: 5
Views: 539

Re: Experience with PenFed refinance

Very glad that it worked out for you!
by runner9
Sat Jul 05, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3211

Re: Urban garden bed--ideas to deter dog owners

What about any of these sign?

http://tinyurl.com/pnzcw3y

Or different wording so say its not allowed, as suggested.
by runner9
Fri Jul 04, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 3957

Re: Morningstar Rates 529 College Saving Plans

And what criteria did they use? Assuming this is the same Maryland plan listed as #1, 0.88 expense ratio is certainly a lot higher than other states.

http://files.collegesavingsmd.org/cip_disclosure.pdf#page=5
by runner9
Fri Jul 04, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Rates 529 College Saving Plans
Replies: 8
Views: 1160

Re: Fed up with ATT

TWC is Time Warner Cable, correct? Why not go with their 2 mbps for $14.99 a month (plus $6 modem rental or buy one for about $60).
by runner9
Fri Jun 27, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 47
Views: 3752

Re: Fed up with ATT

I had both with AT&T and dumped this in February. We get internet through Time Warner Cable for $14.99 a month and home phone through voip.ms and an Obi100 for 99 cents a month plus a penny a minute for non 800 numbers.

Previously cost us about $63 a month, now costs less than $17 a month.
by runner9
Fri Jun 27, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 47
Views: 3752
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