Search found 130 matches

by Jill07
Fri Mar 17, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Taxes in Death
Replies: 14
Views: 1228

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: 995

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: 995

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: 831

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: 831

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: 4614

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: 2110

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: 564

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: 564

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 per...
by Jill07
Thu Feb 04, 2016 7:35 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 137
Views: 12316

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 s...
by Jill07
Fri Jan 22, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Nutritional supplements - beware
Replies: 38
Views: 3176

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 watche...
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: 181

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: 4876

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: 2391

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: 7809

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: 10510

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: 1641

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: 4511

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: 47
Views: 3619

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: 9501

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: 3104

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: 1306

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: 1306

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: 1306

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: 14213

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: 5736

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: 1310

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: 4332

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: 1015

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: 1015

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 y...
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: 1015

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 ...
by Jill07
Mon Jan 19, 2015 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: New Home: All cash or mortgage?
Replies: 21
Views: 2336

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: 9528

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...
by Jill07
Thu Jan 08, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 6598

Re: Major issues with new HSABank.com website

Are you able to transfer funds to TDAmeritrade from the new website?
by Jill07
Fri Dec 19, 2014 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Real Estate property vs index funds for kids
Replies: 10
Views: 1732

Re: Real Estate property vs index funds for kids

The first thing I would do is encourage your teenagers to get a part-time job (full time in summer) and set up Roth IRAs which you can fund for them or provide a very generous match. Your kids are only teenagers. I think it is premature to buy real estate and expect that they will live in or manage ...
by Jill07
Wed Nov 19, 2014 7:37 pm
Forum: Personal Consumer Issues
Topic: Do freecyclers resell?
Replies: 11
Views: 2205

Re: Do freecyclers resell?

Some freecyclers may resell. When I donate items to my local thrift store, they also will resell the items. The only difference between my local thrift store donation and freecycle is that one counts as a tax donation. I have used freecycle for large items that are a pain to take to the thrift store...
by Jill07
Tue Nov 18, 2014 2:39 pm
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 76
Views: 9731

Re: [Should I] rent out [my] house [for a 3-day event]?

I remember reading about people making a lot of money renting their homes the for U.S. Open Golf tournament. Main Liners make megabucks renting their homes for U.S. Open Week http://articles.philly.com/2013-05-31/news/39631610_1_main-line-home-cooking-merion-golf-club I found this website also.... m...
by Jill07
Tue Nov 11, 2014 6:55 am
Forum: Personal Consumer Issues
Topic: Dealer wants my 2011 Prius, what should I do?
Replies: 16
Views: 2488

Re: Dealer wants my 2011 Prius, what should I do?

I get notices in the mail all the time from my Toyota dealership wanting to buy my Matrix. This junk mail goes directly into the recycle bag. If they were calling me, I would tell them to place me on their do not call list.
by Jill07
Tue Nov 04, 2014 7:05 am
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 9007

Re: Ashley Furniture

As others have mentioned, you really can find some great deals on Craigslist, especially if you are looking for a dining room set. There are a lot of people downsizing and they just want to get rid of stuff. Many dining room sets have only been used on special occasions and are usually in very good ...
by Jill07
Tue Oct 28, 2014 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 1448

Re: Family Car Insurance Review Requested

It is worthwhile to get a few quotes. One son has a used Acura TL high mileage. Geico quote was substantially less than what our State Farm agent quoted. She could not believe that he was getting such a good price. So he switched to Geico. Other son recently got a new ‘used’ car. He got a quote from...
by Jill07
Mon Sep 01, 2014 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Advice for stay at home mom/military wife going back to work
Replies: 24
Views: 2284

Re: Advice for stay at home mom/military wife going back to

Victoria wrote: There have been several stories about "unpleasant consequences" in the Bogleheads Forum, and there would have been many more if non-working women were interested in personal finance and participated in the Forum. Non-working women (and men) are interested in personal financ...
by Jill07
Tue Aug 26, 2014 4:56 pm
Forum: Personal Consumer Issues
Topic: Repairing (Replacing?) Stucco
Replies: 3
Views: 823

Re: Repairing (Replacing?) Stucco

We have synthetic stucco and the aforementioned repair would be synthetic stucco, too. We discussed Dryvit, but due to the differences in appearance this would be incrementally expensive as we'd have to redo the coating over the entire chimney. Isn't Dryvit also a synthetic stucco? Have any of your...
by Jill07
Sun Aug 24, 2014 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 7128

Re: Buy & Hold Forever Blue Chip Stocks???

I have a family member who inherited many shares of GE in 2001. He would not sell the stock when he inherited it even though there would have been no capital gains tax. Now he has a loss and still won’t sell the stock. He would have a lot more money today if he had sold the GE stock when he inherite...
by Jill07
Wed Jun 25, 2014 8:59 am
Forum: Personal Consumer Issues
Topic: Pool Maintenance Cost
Replies: 14
Views: 1834

Re: Pool Maintenance Cost

You should contact the pool service companies that are in your area. Ask them how much it costs to 'valet' the pool weekly or biweekly. They should also be able to give you a rough estimate on the cost of chemicals for the season. If the pool will be closed in the winter, get a price on opening and ...
by Jill07
Wed Jun 18, 2014 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Should we or shouldn't we make a move at this age?
Replies: 37
Views: 3573

Re: Should we or shouldn't we make a move at this age?

I am a 'worrier' too.... so I can understand where you are coming from! If you move to the more expensive house, you will no longer be worrying about the tree. You will be worrying about your finances! I would try to talk to the neighbor again. Perhaps get a home inspector to weigh in on the damage ...
by Jill07
Wed Jun 18, 2014 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing new home from parents
Replies: 7
Views: 1145

Re: Purchasing new home from parents

We purchased my parent's home 25 years ago. In our area, there is no transfer tax when the house sells from parent to child. This saved us a few thousand dollars at closing. There may be something similar in your area... I believe this was a local tax.
by Jill07
Mon May 26, 2014 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: What would be considered the best Boglehead car?
Replies: 43
Views: 6468

Re: What would be considered the best Boglehead car?

We are very happy with new 2014 VW Passat TDI. It has a roomy backseat and very good gas mileage. Got $4700 off MSRP.
by Jill07
Sat May 03, 2014 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 17087

Re: Did you tell anyone you paid off your mortgage?

Greg24 wrote:
What a crazy world we live in. People post facebook pics of their new car or kitchen remodel and get dozens of "huzzahs", but mentioning that you paid off the mortgage is considered bragging.


It's ALL bragging..
by Jill07
Tue Apr 22, 2014 11:00 am
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 19651

Re: If you have ACA health insurance, what is your experien

Confused wrote: That's another thing that throws me for a loop. Before January 1, 2014, I could call Humana any day of the year and sign up for insurance that would start on the first of the next month. But that is no longer the case. Odd that the ACA would make changes that intentionally make heal...
by Jill07
Tue Mar 11, 2014 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Take Pension as Annuity or roll into 401k?
Replies: 11
Views: 1087

Re: Take Pension as Annuity or roll into 401k?

Taylor - Thank you for the link to the IRS information. I have saved the info. Carl53 & Leeraar - I appreciate the information on the PBGC. I was able to find the company listed there so I believe the pension is covered. I will confirm with the company's pension department. I don't think the pen...

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