Search found 147 matches

by Jill07
Thu Jun 21, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 68
Views: 5367

Re: how to make friends in new location?

If there are any tennis clubs in the area, tennis is a great way to meet people. (You can learn at any age.) Pickleball is becoming very popular too. Check the local bicycle shops for group rides. The local high school and/or community college may have some fun classes. Our local high school has ten...
by Jill07
Sun Jun 10, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2558

Re: Foreign language immersion daycare

Personally, I don’t feel it is in the best interest of the child to put a lot of high level challenges above the love and closeness of day to day family affairs. Life should include fun and joy. The child is not even born and you appear to be working too hard. +1 Commute is way too long. Use that t...
by Jill07
Thu May 03, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Receiving house after parents pass away - legal issues with siblings?
Replies: 35
Views: 3468

Re: Receiving house after parents pass away - legal issues with siblings?

Maybe there won't be a house to inherit. It might need to be sold to pay for long term care? Might be too late for this, but if you want the house appreciation, why not have the house & mortgage in your name & rent it to your parents? If the house appreciates dramatically by the time you "inherit" i...
by Jill07
Wed Apr 11, 2018 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Northwestern Variable Life Policy - Turned into "Paid Up"
Replies: 2
Views: 378

Re: Northwestern Variable Life Policy - Turned into "Paid Up"

Take the money you would spend to keep this policy active & spend it on LIFE! You don't need this policy. Take a vacation & have fun!
by Jill07
Thu Apr 05, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How to find a quality Estate Planning Attorney?
Replies: 13
Views: 1182

Re: How to find a quality Estate Planning Attorney?

When you interview the attorney, ask them how much their probate fees are. Some PA attorneys follow the “Johnson estate” rules which take a percentage of the estate & can be very expensive. There are “estate planning" professional organizations in each county. I found links for Philly, Bucks & Montg...
by Jill07
Thu Apr 05, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8662

Re: Liability for 32 year old step son living home

Don’t wait for your stepson to get health insurance. Use your own insurance to get counseling for you & your wife. Then you will have some guidance on how to help him.

Edit to add: I wish you the best.. It's not an easy situation.
by Jill07
Thu Mar 22, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5136

Re: Your favorite Florida beach??

Since you are going in July, I would check out the Destin area. I’ve never been there, but it’s on my list. Save the beaches that are further south for a Winter trip! We love Sanibel/Captiva but some may find it too quiet.
by Jill07
Sun Feb 11, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 67
Views: 6937

Re: What criteria warrants a need for Living Revocable Trust?

Not relevant to me as my state does not have estate or inheritance taxes, but I guess in some states there could be a tax avoidance issue; for example, I think PA has an inheritance tax so transfers to heirs in probate (unless I think the transfer is to a spouse) would be taxed, whereas I don't thi...
by Jill07
Mon Dec 04, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Handling after death affairs for my deceased domestic partner
Replies: 17
Views: 2375

Re: Handling after death affairs for my deceased domestic partner

I would start by calling the local county probate office. I went through this in PA. The county probate office gave me a packet of information, outlining the steps necessary to settle the estate. It was not difficult. The probate office also gave me "short certificates" with a raised seal that certi...
by Jill07
Sun Oct 29, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Ira - Help re: RMD from and ETF
Replies: 5
Views: 520

Re: Inherited Ira - Help re: RMD from and ETF

If you are ready to sell the ETF, I would just sell it. The proceeds will go into your Inherited IRA settlement fund (probably a Money Market acct but you can check with Fidelity about this). Note to be clear.. selling the ETF is not the same as taking the RMD. You are just selling the ETF and movin...
by Jill07
Fri Oct 27, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 3217

Re: RMD distribution timing

If you are required to take your RMD, I think it it is best to take it in January. Consider your survivors. My Father passed away in late November. I was very grateful that my Father kept good records & noted that the RMDs had been taken in January. It was one less thing I had to worry about, when h...
by Jill07
Wed May 10, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 16
Views: 2316

Re: How to be an executor

Birdy -

Will you please update us after the lawyer meeting? We will have a similar situation in our family.

thank you,
Jill
by Jill07
Thu Apr 27, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 3041

Re: Can a reluctant executor simply reassign the role?

Consult with the County office where the will is being probated. I believe you will need to file paperwork with the County to have your sister replaced as executor. When I was administrator of an estate I had raised seal papers from the County that verified my authority to act as Administrator. I ne...
by Jill07
Wed Apr 26, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: EE savings bond complications (owned by parent with dementia, paper, no beneficiary)
Replies: 9
Views: 1819

Re: EE savings bond complications (owned by parent with dementia, paper, no beneficiary)

My mother was listed as beneficiary to my father’s bonds. (She also had bonds that listed him as beneficiary which needed to be changed). All the bonds went into her Treasury Direct Account and we changed the registrations to add new beneficiaries. The bonds I inherited were from a different family ...
by Jill07
Wed Apr 26, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: EE savings bond complications (owned by parent with dementia, paper, no beneficiary)
Replies: 9
Views: 1819

Re: EE savings bond complications (owned by parent with dementia, paper, no beneficiary)

I recently converted our paper bonds to electronic form and had no problem. My father passed away in 2015, leaving some bonds to my mother. I just recently helped her open a Treasury Direct account and converted all their paper bonds to electronic. Once the bonds were in her account, we were able to...
by Jill07
Thu Apr 20, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 57
Views: 7424

Re: Bill received after Estate is closed

I respectively suggest this attorney should be paid about $500 maximum. As Gill pointed out NY has a stature that allows no court proceedings for low value estates. The attorney should have told his "friend" about this statue and any other paperwork that was needed so the executor could do this him...
by Jill07
Wed Apr 19, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 57
Views: 7424

Re: Bill received after Estate is closed

I found this information on settling small estates in New York: http://nycourts.gov/courthelp//WhenSomeoneDies/smallEstate.shtml Note: “If the Decedent owned real property, like a house or land, in their name alone then it's not a small estate anymore.” If your mother’s estate was truly considered a...
by Jill07
Fri Mar 17, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Taxes in Death
Replies: 14
Views: 1808

Re: Taxes in Death

Vanguard has the following information on inherited IRAs: “Inheriting an IRA means transferring the proceeds from your loved one's account into a new IRA in your name. Nonspouse beneficiaries—including the account owner's children— must take a required minimum distribution (RMD) when they inherit an...
by Jill07
Wed Jan 11, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: VW Diesel Buyback -- how fast?
Replies: 13
Views: 2280

Re: VW Diesel Buyback -- how fast?

I'm just curious, but why is everyone in a hurry to sell their diesel back to VW? If it's for environmental reasons you should be congratulated. I drive very little and like the idea of driving a non-depreciating asset for as long as I can before I turn it in. The offer is good for another 18 month...
by Jill07
Wed Jan 11, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: VW Diesel Buyback -- how fast?
Replies: 13
Views: 2280

Re: VW Diesel Buyback -- how fast?

We got a paper check the day we turned in our VW.
by Jill07
Sat Dec 10, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: Moving an 8ft slate pool table
Replies: 12
Views: 1254

Re: Moving an 8ft slate pool table

Thanks to everyone for taking the time to respond. I appreciate your input!
by Jill07
Sat Dec 10, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Moving an 8ft slate pool table
Replies: 12
Views: 1254

Moving an 8ft slate pool table

Does anyone have experience moving an 8ft slate pool table? We have one in our basement. DH wants to sell it on Craigslist. I am concerned that someone moving it will get hurt and we will be held liable. Would you require that a buyer hire a professional pool table mover with proof of insurance? The...
by Jill07
Sat Oct 22, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 5768

Re: Easy $300 bonus- Key Bank

According to the fine print on the mailer I received, direct deposit transactions are limited to payroll, Social Security, pension and government benefits.
by Jill07
Fri Sep 23, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Resource for dealing with dependent adult children
Replies: 14
Views: 2460

Re: Resource for dealing with dependent adult children

Please check online at nami.org for a support group. NAMI stands for the National Alliance on Mental Illness. They often have local support groups which can be very helpful to individuals and their families.

Best wishes to you and your family,
Jill
by Jill07
Sat Mar 05, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to swap Primary & Secondary Taxpayer?
Replies: 5
Views: 889

Re: Okay to swap Primary & Secondary Taxpayer?

Thank you Truebluesky, Ladygeek and Inbox788 for your quick responses and very helpful advice. I am going to go ahead and make my mother Primary for the Federal and PA returns. LadyGeek, thank you for the link. Turbotax allows me to prepare a Joint PA State Return only if my mother is listed as Prim...
by Jill07
Sat Mar 05, 2016 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to swap Primary & Secondary Taxpayer?
Replies: 5
Views: 889

Okay to swap Primary & Secondary Taxpayer?

Will it create a problem with IRS (other than delaying a small refund) if I swap Primary and Secondary Taxpayer on joint return? Background: I am using Turbotax to prepare return for my mother. Father passed away in 2015 & had always been listed as the Primary taxpayer. Pennsylvania does not permit ...
by Jill07
Thu Feb 04, 2016 7:35 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 137
Views: 15331

Re: Sibling's destination wedding?

What about the honeymoon? Does the couple end up spending it with family (in-laws), nieces & nephews? Maybe pointing this out to the sibling will change their mind on a destination wedding? I hope the OP can sit down and really talk to his sibling about his concerns. There should be a workable solut...
by Jill07
Fri Jan 22, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Nutritional supplements - beware
Replies: 38
Views: 3823

Re: Nutritional supplements - beware

I recently watched a special on PBS featuring Michael Pollan's In Defense of Food. I found it on-demand... maybe it is still out there. He has good advice about how to eat healthy. I think of his advice when I am grocery shopping & I'm spending a lot more time in the produce aisle! I also watched th...
by Jill07
Tue Dec 15, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Wills/Probate in PA with Surviving Spouse
Replies: 0
Views: 205

Wills/Probate in PA with Surviving Spouse

Good Morning Bogleheads, My father recently passed away. I am helping my mom transfer assets to her name. Everything they owned was in joint name with the exception of my dad’s car. There are a few Roth IRA CDs in my dad’s name at a local bank, with my mom listed as beneficiary. They have a joint ac...
by Jill07
Fri Nov 27, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 50
Views: 5607

Re: Best Way to get rid of leaves

Instead of bagging up the leaves, try raking them onto a tarp and dragging them to a leaf compost pile at the far corner of your yard. We have one tarp that is small enough for one person to handle (gather the corners up and drag). Also, have one very large tarp that requires two people but can hold...
by Jill07
Fri Sep 25, 2015 5:26 am
Forum: Personal Finance (Not Investing)
Topic: refinancing $120k student loan: cash out home equity?
Replies: 22
Views: 2654

Re: refinancing $120k student loan: cash out home equity?

If you can afford it, I would refi into a 5 year payout. There is a hidden silver lining, forced discipline. After 5 years you now have become accustomed to saving $30k/yr, and could immediately turn that into auto-deduct into taxable savings / max retirement savings / etx +1 Live on your income an...
by Jill07
Sun Aug 09, 2015 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 8464

Re: Former Housemate Owes Money - What to do?

How about sending an email to ALL the housemates acknowledging those who have paid their share of the utilities and listing the amount owed by the delinquent roommate? I would resend the email periodically so everyone knows she hasn't paid her share. Maybe she will be embarrassed enough to pay up.
by Jill07
Tue Aug 04, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 11534

Re: Allan Roth Says Not to Load Up on Muni Bonds

Any response to this post from Victoria? What is the current sweet spot for municipal bond funds? I have some maturing CDs and need to find a place to invest the proceeds. Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) now yields 1.83% which is equivalent to 2.5% in CD income in ...
by Jill07
Thu Jun 25, 2015 9:28 am
Forum: Investing - Theory, News & General
Topic: Researching Principal Life Insurance Company
Replies: 8
Views: 1840

Re: Researching Principal Life Insurance Company

There are restrictions on Index funds through Principal in my husband’s 401k plan The 401k fine print reads: “If you elect to allocate funds to a Separate Account, you may not be able to immediately withdraw them.” The Separate Accounts are available through a group annuity contract with the Princip...
by Jill07
Wed May 06, 2015 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Budget allocation between LARGE student loan burden and Retirement_Updated details
Replies: 33
Views: 5354

Re: Budget allocation between LARGE student loan burden and Retirement

Can you live on one income (or 100k/yr) and dedicate the 2nd income to paying off the loans? Get rid of the financial planner.
by Jill07
Thu Apr 30, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance About New Spouse's IRS Issues
Replies: 61
Views: 5433

Re: Guidance About New Spouse's IRS Issues

Your husband should be the one posting here asking for help on how to clean up his mess. You should protect your assets.
by Jill07
Sat Apr 11, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 11364

Re: regret and depression...how to deal with it

Please put things in perspective. Are you healthy? You have more money than most people in this world. Why not try volunteering and helping others? Get some professional help for the depression. Stop thinking about the ‘what ifs.’ Maybe if you had invested the way you think you should have.. you wou...
by Jill07
Sat Apr 11, 2015 7:40 am
Forum: Personal Consumer Issues
Topic: Would you use your neighbor's son for yard service?
Replies: 33
Views: 3646

Re: Would you use your neighbor's son for yard service?

He also said that his dad wouldn't let him cut their yard--too particular. What a shame that his own father will not let this 15 year old mow the lawn. So what if the kid mows the lawn a little sloppily the first few times… let him learn! Your husband can be a mentor to this young man. What a boost...
by Jill07
Sat Mar 28, 2015 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Landlord/Tenant Credit Checks
Replies: 18
Views: 1524

Re: Landlord/Tenant Credit Checks

It sounds like your relative selected a deadbeat girlfriend. But I don't understand why the Property Manager is supposed to screen your relative's prospective partners. Yes he certainly did select a deadbeat and he won't make that mistake again. Better to have learned this lesson now ...... No one ...
by Jill07
Fri Mar 27, 2015 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord/Tenant Credit Checks
Replies: 18
Views: 1524

Re: Landlord/Tenant Credit Checks

Thanks Twins Fan and Ddurrett896 for your input. Yes, it is a Property Management company that took the application for the apartment and ran a credit check on my relative. The lease said that only 1 person was living there so my relative asked the Property Manager if his girlfriend would be permitt...
by Jill07
Fri Mar 27, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord/Tenant Credit Checks
Replies: 18
Views: 1524

Landlord/Tenant Credit Checks

For those of you who are landlords and use a Realtor to find your tenants: Does the Realtor run a credit and background check on every tenant who is a party to the lease? In the case where there are two roommates: would it be negligent if the Realtor only screened one of the tenants? Should the real...
by Jill07
Fri Mar 27, 2015 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 82
Views: 16760

Re: Can I afford a $1M house?

I think the house is way too expensive on a salary of 200k. You are earning a fantastic salary. Live below your means and you have the opportunity to create real wealth for your family. Life can throw you curve balls and having money in the bank can really help. There is no way I would have an 800k ...
by Jill07
Mon Mar 23, 2015 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Roommate problems
Replies: 39
Views: 6034

Re: Roommate problems

I think you are wise to give your younger brother some advice. He may or may not take it but I think it is admirable that you are looking out for him. You have to be careful not to interfere where you are not welcome, but it’s a good thing that you and your younger brother have a close relationship....
by Jill07
Mon Mar 02, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: First Home Purchase - Property Tax vs Commuting Costs
Replies: 17
Views: 1458

Re: First Home Purchase - Property Tax vs Commuting Costs

I would really look into the schools in the high tax neighborhood. Are they improving or declining? How active are the families in the schools? If the schools are ‘not that great’, the property taxes are too high for most families. Many families will opt for the lower property taxes with the better ...
by Jill07
Sun Mar 01, 2015 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Questions to ask a living trust attorney during initial meet
Replies: 26
Views: 6342

Re: Questions to ask a living trust attorney during initial

You may want to consider that at age 25 your son may not be responsible enough to handle a large inheritance. Having access to a large amount of money at a young age, can severely limit the motivation to find a job. I've seen it happen. Young adult graduates from college. Tuition paid for by grandpa...
by Jill07
Thu Feb 26, 2015 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: High-Fee 401K worthwhile to contribute?
Replies: 9
Views: 1163

Re: High-Fee 401K worthwhile to contribute?

Will the new 401(k) allow a loan from it? If so, when the balance reaches something reasonable at the end of say year 2, take out the maximum possible loan, saving the 2% in fees on the loaned money that is no longer in the 401(k) and invest it elsewhere. 401(k) loan fees are generally minuscule in...
by Jill07
Thu Feb 26, 2015 10:57 am
Forum: Investing - Help with Personal Investments
Topic: High-Fee 401K worthwhile to contribute?
Replies: 9
Views: 1163

Re: High-Fee 401K worthwhile to contribute?

Livesoft – Thank you for your suggestion. I’ll look into the loan option. Eatsleepflyguy – the plan allows for a ROTH contribution but not an after tax Non-ROTH contribution. I haven’t found any info yet on in-service withdrawals. Thanks for the idea though. Lolbatross, Furwut & rkc312 – Thank you f...
by Jill07
Thu Feb 26, 2015 7:16 am
Forum: Investing - Help with Personal Investments
Topic: High-Fee 401K worthwhile to contribute?
Replies: 9
Views: 1163

High-Fee 401K worthwhile to contribute?

Should we contribute to the high-fee 401k offered by my husband’s new employer? DH is age 55 & plans to retire at 60. He has a 401k with low fees & Vanguard funds that remains with his previous employer. We do backdoor ROTHs. The new employer’s 401k has no company match. The new plan states that the...
by Jill07
Mon Jan 19, 2015 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: New Home: All cash or mortgage?
Replies: 21
Views: 2575

Re: New Home: All cash or mortgage?

You didn't have a mortgage on your 600k house. Pay cash for the 300k house and you still have 300k to invest.
by Jill07
Sat Jan 17, 2015 7:53 am
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 11155

Re: This topic is causing stress in marriage we need some he

This family is on the financial edge, the kid is able to go to school, and one parent wants the luxury of staying home with the kid while they have an unmanageable credit card debt in the five figures. I think it is a reasonable decision to have one parent work part-time. OP is providing care after...