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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: 625

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: 625

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: 625

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: 625

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: 625

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: 625

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: 22
Views: 2620

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: 625

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: 657

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: 21
Views: 1548

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: 531

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: 743

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: 62
Views: 2738

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: 571

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: 571

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: 2720

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: 1440

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: 415

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: 460

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: 1385

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: 3183

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: 97713

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: 876

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: 1385

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: 872

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: 13913

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: 1385

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: 8054

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: 409

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: 537

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: 3199

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: 3934

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: 1158

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: 3735

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: 3735

Re: Water/sewer backup coverage: buy or not?

Had 2 feet of sewer backup last July. Erie paid out $10K max after a 10 minute visit and no documentation for me, only photos from their adjuster. We didn't spend the whole $10K as I did everything myself (new drywall, bathroom tile, toilet, vanity, 9 gallons of paint, etc.) so we had a backup valve...
by runner9
Thu Jun 26, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water/sewer backup coverage: buy or not?
Replies: 33
Views: 2681

Re: Experience with PenFed refinance

Forum members have had poor experiences with PenFed mortgages.


Is this the general consensus of the thread? I'd suggest "some" or "many" before "forum" would be more accurate. Maybe something to say it's with obtaining, not the actual servicing of.
by runner9
Mon Jun 23, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3199

Re: Riding a bicycle east from Cleveland

http://www.clevelandtouringclub.org/

Maybe contact the Cleveland Touring Club? They probably would be more than happy to offer insight on all aspects of such a trip.

I second hoping you journal/blog/etc about it!
by runner9
Sun Jun 22, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1307

Re: Riding a bicycle east from Cleveland

First thought is to take the rapid red line from Hopkins. It goes downtown and three lines go east from there. RTA buses go as far east as just into Lake County at the north end, and I believe just before Geauga county the rest of the east end. All buses accept bikes on the front. http://www.riderta...
by runner9
Sun Jun 22, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1307

Re: Riding a bicycle east from Cleveland

I'd agree to avoid the university circle area, though there would be a lot to see there if interested. You could hug the lake on Lakeshore Blvd. or do the Metroparks and end up in North Chagrin, just out of Cuyahoga County.
by runner9
Sat Jun 21, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1307

Re: spreadsheet to compare portfolio with S&P

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=141155&p=2090250#p2090250

I don't see how you'd compare your portfolio to any one benchmark. You could do it piece-meal, line to line or just take the excellent and detailed advice already given in the linked thread.
by runner9
Sat Jun 21, 2014 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: spreadsheet to compare portfolio with S&P
Replies: 10
Views: 654

Re: spreadsheet to compare portfolio with S&P

I'm not expert, but XIRR is to calculate the return. The dividend is part of the return so it's not entered. More to your point, what is the asset allocation of your current portfolio? If it's not all a S&P500 benchmark then it's not equal or correct. That is, if you have a Russell 2000 fund the...
by runner9
Sat Jun 21, 2014 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: spreadsheet to compare portfolio with S&P
Replies: 10
Views: 654

Re: Experience with PenFed refinance

Our 5/5 ARM closed with them in August 2012. It was a bit rough, but I never considered backing out or that it would fall apart, etc. They seemed busy, but they always did get back to me. Since we've had no issues. So one poster, 8 times in this thread is against them. Fine. Your choice, they paid u...
by runner9
Sat Jun 21, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3199

Re: Riding a bicycle east from Cleveland

We have lake effect snow east of Cleveland because it goes from flat to very hilly quickly. If you go out of Cleveland through Euclid you could do Lake County and Ashtabula County. After the west end of Lake Co. you can be quite rural for most of the rest of Ohio. It's quite flat near Lake Erie but ...
by runner9
Sat Jun 21, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1307

Re: water bottles and road trip

I recently purchased a small stainless steel water bottle from REI for use at work. The brand is Hydro Flask and it is awesome. It's really well insulated and it keeps the contents cold all day. They have bigger ones, but they are pricey. Well worth it in my opinion and I'm not throwing plastic bot...
by runner9
Sat Jun 21, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1815

Re: need a new id

Why don't you just PM a moderator to change your ID?

Your issue aside, if you already have the login stjoe56 are you looking for a second/new account, or just a new id?
by runner9
Tue Jun 17, 2014 3:45 pm
 
Forum: Forum Issues and Administration
Topic: need a new id
Replies: 4
Views: 630

Re: Shopping at Costco

It was a Sam's Club, not Costco, that doesn't accept VISA or Master Card. Costco does accept VISA and Master Card. My friends changed where they do their discount shopping when they moved. http://help.samsclub.com/app/answers/detail/a_id/193/~/accepted-payment-methods Sams Club takes Mastercard and...
by runner9
Tue Jun 17, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4823

Re: [can you] shop at Costco [without a membership?]

We joined but didn't like it. Personal preference (long lines, large quantities, etc) After 2 months they refunded the entire $55 we'd paid on a credit card in cash, no questions asked. This was about 2 years ago.
by runner9
Tue Jun 17, 2014 5:57 am
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4823

Re: When to refinance, get out of PMI?

How much would closing cost you, and how much lower will the new interest rate be?
by runner9
Sun Jun 15, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to refinance, get out of PMI?
Replies: 4
Views: 262
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