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Re: Repair/maintain the BMW or get a new car?

I ended up selling the BMW to a good friend, and purchasing a base model Accord for a very good price and 0.9% financing. Pretty happy with my decision so far. No comparison in how these cars drive, but I just couldn't justify keeping a car like a BMW to be basically a garage queen. I hope the good...
by runner9
Mon Sep 15, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 22
Views: 1806

Re: Gifting planning for upper 60s widowed.

Thank you for all the responses. Please keep them coming! CORRECTION: income is 51% STRS (Ohio teacher pension), 37% pension from a Fortune 500 company, 12% social security. My surviving parent owns a house outright. Pension has a 2% COLA built in. Subject to change, Ohio repealed it's estate tax Ja...
by runner9
Sat Sep 13, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 19
Views: 1202

Re: Gifting planning for upper 60s widowed.

Annual income does not include anything from the portfolio.

Income is social security and ohio teachers pension (STRS).

CORRECTION: income is 51% STRS (Ohio teacher pension), 37% pension from a Fortune 500 company, 12% social security.
by runner9
Fri Sep 12, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 19
Views: 1202

Gifting planning for upper 60s widowed.

One of my parents died in April. The surviving parent is considering wanting to gift some money to 2 children. I’m trying to help with some guidance on how different amount would affect the future, what accounts any gifts would come out of, etc. Surviving parent is upper 60s, healthy and active. 2 c...
by runner9
Fri Sep 12, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 19
Views: 1202

Re: How can I change my password?

http://www.bogleheads.org/forum/viewtopic.php?f=3&t=113249

[Thread merged into here, see below. The link above will no longer work. --admin LadyGeek]
by runner9
Mon Sep 08, 2014 12:22 pm
 
Forum: Forum Issues and Administration
Topic: [How do I change my password?]
Replies: 16
Views: 412

Re: Credit Card Account [Automatically Closed] due to inacti

In my wife's situation (see above) we were not sent anything. I read every piece of mail, for sure, nothing was sent to notify or warn, either before or after the fact.
by runner9
Sun Sep 07, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Account [Automatically Closed] due to inactivity
Replies: 29
Views: 1902

Re: Automatic Closing of Credit Card Accounts due to inactiv

Happened 2.5 years ago to my wife's card. Now the only card we rarely use in person has a monthly automatic charge from one company, and then pays itself with an automatic payment from checking.

http://www.bogleheads.org/forum/viewtopic.php?f=2&t=93246
by runner9
Sun Sep 07, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Account [Automatically Closed] due to inactivity
Replies: 29
Views: 1902

Re: Suggestions for the Wiki

On this page: http://www.bogleheads.org/wiki/Long_Term_Care_Insurance#Tax_implications the what's included in schedule A is from 2010.

Current figures are found here (scroll slightly):
http://www.irs.gov/publications/p502/ar02.html#en_US_2013_publink1000178974
by runner9
Sat Sep 06, 2014 3:10 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 271
Views: 101176

Re: Anyone have experience with AtticFoil Radiant insulation

From that electricity thread I was lead to Home Depot and then this product website: http://www.reflectixinc.com/basepage.asp?Page=Products&PageIndex=758 They, aand link below, both say the most benefit is in southern/warmer climates. One even says to add more thermal insulation instead in north...
by runner9
Fri Sep 05, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have experience with AtticFoil Radiant insulation
Replies: 12
Views: 705

Re: chip credit cards

Every time (Home Depot issues) I think oh, I wish my bank would send a Chip card instead of one with a magnetic strip I remember that I have yet to visit a store that has a reader for chip cards:( Hopefully soon...
by runner9
Thu Sep 04, 2014 6:52 am
 
Forum: Personal Finance (Not Investing)
Topic: chip credit cards
Replies: 25
Views: 1541

Re: Coin Counting Machines

I just use the coins I have the next time i go to the store. That way I never have more than $1 in coins. This of course is only for two places, Aldi is one, that don't take credit cards.
by runner9
Wed Sep 03, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4035

Re: Paper or plastic?

Honest question. For those of you who don't ever get plastic bags at the grocery store, what do you use to line your trash cans? We used them as much as possible but not always. Occasionally we forget, especially when getting just 1 item. I don't take reusable bags into stores like Lowes, Party Cit...
by runner9
Mon Sep 01, 2014 8:20 am
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2829

Re: Help me evaluate a standby generator quote

I suggest getting 2 additional quotes if possible, then compare. Are they similar? If so you're in the ballpark.
by runner9
Sun Aug 31, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: Help me evaluate a standby generator quote
Replies: 29
Views: 1916

Re: Getting on Track

I would get rid of the car loan as quickly as possible, be it through a refi or paying it off, etc. What state are you in that 24% is legal?

That's just my opinion, as best I could follow your post.
by runner9
Sat Aug 30, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting on Track
Replies: 14
Views: 1457

Re: Father died. How to handle his company stock?

When one of my parents died and had a JTWRS at Vanguard (taxable) Vanguard let us decide what percentage was owned by each half, they said it could be 50/50 or 80/20 or 100/0 so we said the deceased parent owned 100%, and the surviving parent now has a stepped up basis for the entire amount. That d...
by runner9
Fri Aug 29, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father died. How to handle his company stock?
Replies: 27
Views: 2135

Re: Father died. How to handle his company stock?

Ohio was the state I was referring to.
by runner9
Fri Aug 29, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father died. How to handle his company stock?
Replies: 27
Views: 2135

Re: Father died. How to handle his company stock?

You don't need any records. There is a basis step-up on death. Sell the stock immediately. Wait what? I thought a spouse's stepped up basis was only half (since they don't get stepped up on their portion). Am I misunderstanding??? You are correct IF the assets were held JOINTLY. This may or may not...
by runner9
Fri Aug 29, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father died. How to handle his company stock?
Replies: 27
Views: 2135

Re: LED lightbulbs

I bought a Cree 60 LED a few weeks ago, my first LED bulb. We like the more daylight colors, so that's what was bought for 10.97 at Home Depot. So far I'm happy with it, it is much cooler than a CFL, but still somewhat warm. We'll probably switch to more LED as the CFLs burn out. I'll get the 6pack ...
by runner9
Thu Aug 28, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 196
Views: 15897

Re: Roth conversion from traditional IRA

Srinivasan777in wrote:You an call vanguard and ask them to change TIRA to Roth
They will do it in few mins. All your mutual funds of today's value will be
Transferred to roth account


Yes but then you owe taxes on all of it, correct? So it's easy to do but thoughtful to decide to do it.
by runner9
Tue Aug 26, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth conversion from traditional IRA
Replies: 9
Views: 650

Re: Policy on changing Passwords

I'm confused. Your browsers have passwords on them?

Personally I think 3-4 months is to often and have different passwords for different sites, and making sure each has "nonwords" is more important.
by runner9
Tue Aug 26, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Policy on changing Passwords
Replies: 15
Views: 1193

Re: Transfer on Death (TOD) for Vanguard taxable accounts

Benefit would be if both account owners die together, or close together such as in a car accident, etc.
by runner9
Mon Aug 25, 2014 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 20
Views: 1837

Re: Where to put my house down payment money at Vanguard?

I'd go with an Ally CD all the way. Vanguard Prime Money Market will pay pennies while Ally will pay a small pile of pennies.
by runner9
Sun Aug 24, 2014 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put my house down payment money at Vanguard?
Replies: 8
Views: 870

Re: Transfer on Death (TOD) for Vanguard taxable accounts

I don't mean to hijack the original post, but the last response from ww340 raises a question that might be applicable to others reading the original post and its responses. We have a taxable investment account at VG held in our names jointly. When the first of us passes, could the survivor then nam...
by runner9
Sun Aug 24, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 20
Views: 1837

Re: Paying off house in cash

I think you might get more answers if your title matched your question. Your question is more along the lines of "Where to park money needed in 5 years" if I understand it correctly.
by runner9
Sun Aug 24, 2014 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying off house in cash
Replies: 6
Views: 1753

Value on Death: IRA type error

One of my parents died in late April, as detailed in other threads. I was at the surviving parent’s house last night looking through the last 10 or so Vanguard mailings, one of which was the valuation on date of death. On the cover page it says it covers all accounts: traditional IRA, Roth IRA, Roth...
by runner9
Thu Aug 21, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Value on Death: IRA type error
Replies: 2
Views: 364

Re: Fed up with ATT

Why not create a new thread with a title of something like "Verizon VIOS box for highrise building" Are people with knowledge of this going to necessarily read "Fed up with ATT"?
by runner9
Thu Aug 21, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 53
Views: 4875

Re: Google Voice Not Supported on OBi Devices After May 15 2

Do you by chance have voicemails that haven't been listened to?
by runner9
Tue Aug 19, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 102
Views: 10805

Gift Tax and Gifting to child.

My surviving parent (deceased parent died in late April) now has everything combined in his/her name at Vanguard. Total of Traditional, Roth, Rollover IRAs and taxable is $1.5 million. Parent will be 68 in a few months and was always aware of finances but deceased parent managed them. I guess giftin...
by runner9
Sun Aug 17, 2014 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gift Tax and Gifting to child.
Replies: 2
Views: 271

Re: Point of clarification - ETFs in Roth

Vanguard ETFs, purchased through a Vanguard brokerage account, have no transaction fees.*

https://personal.vanguard.com/us/whatweoffer/stocksbondscds/feescommissions

*unless purchased more than 25 times in a 12 month period, then purchases can be restricted (still no fee though).
by runner9
Sun Aug 17, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Point of clarification - ETFs in Roth
Replies: 12
Views: 578

Re: Do Super wealthy have access to different investing vehi

I just overheard someone say that professional athletes have their own banks,they don't bank at the same banks us regular folk bank at. I dismissed this in my head and forgot about it. Am I correct that this is hogwash, for regular checking/savings accounts?
by runner9
Sun Aug 17, 2014 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6336

Re: Can I combine a Traditional and Rollover IRA?

My surviving parent has the same question. Looking to simply/consolidate the accounts and funds, all held at Vanguard, this was my first thought. Surviving parent is retired, over 65, not going work again. Rollover has about $910K in it, traditional has $205K. Is there any reason not too? Any tax co...
by runner9
Sun Aug 17, 2014 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I combine a Traditional and Rollover IRA?
Replies: 4
Views: 1840

Re: Point of clarification - ETFs in Roth

Personal preference. I prefer MFs to ETFs. With the ER the same I can decide to invest X amount tomorrow, put in an order for a MF and be done. For an ETF I have to estimate the number of shares that approximates, put in a buy order, check if it goes through, put the money into a money market, wait ...
by runner9
Sat Aug 16, 2014 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Point of clarification - ETFs in Roth
Replies: 12
Views: 578

Re: Amazon Gift Card Fraud

Deleted cc inf also. We buy gift cards for Amazon at the grocery store and get fuel perks, so I almost never use a credit card on Amazon, always paying for purchases with a gift card instead.
by runner9
Wed Aug 13, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 2657

Re: Neighbor's Tree

I have Erie Insurance and I know they've said the same thing in newsletter, Q/A publications, etc. It's as if the tree fell from the sky unless it was diseased, clearly in bad shape, etc.
by runner9
Sat Aug 09, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3039

Re: Neighbor's Tree

Related story: A neighbor's tree lost a branch that punched a hole in my grandma's new roof, the neighbor's (or their insurance) paid for it. Not sure if that's the law or that they were just nice about it. I know the law, at least around here, is that a tree is treated as if it just fell from the ...
by runner9
Fri Aug 08, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3039

Re: Drought Management

For anyone who missed this link further up about Colorado: That would be the state of Colorado: http://water.state.co.us/SURFACEWATER/SWRIGHTS/Pages/RainwaterGraywater.aspx Also Utah and Washington restrict rainwater capture. The principle I guess is that the water rights within a watershed have alr...
by runner9
Sun Aug 03, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Drought Management
Replies: 60
Views: 3142

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: 11
Views: 992

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: 2185

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: 3883

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: 1150

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: 35
Views: 3269

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: 31
Views: 1622

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: 35
Views: 3269

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: 3364

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: 78
Views: 9470

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: 35
Views: 3269

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: 4519
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