Search found 149 matches

by MrsBDG
Fri Dec 13, 2019 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Comcast, get a new deal, but keep email?
Replies: 2
Views: 366

Comcast, get a new deal, but keep email?

If the primary accountholder at an address is no longer available, think death or divorce, is there a way the person creating a new account can take advantage of a new user deal, but also keep their existing email address at the same service address. Think widow wanting to switch account to her name...
by MrsBDG
Mon Nov 18, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: trustee duties when grantor passes
Replies: 25
Views: 1530

Re: trustee duties when grantor passes

It seems to me the condo is entirely separate from the estate transactions. If you look at the estate alone and sibling A is unhappy with the value of the estate, what is their point? Mom and Dad should have spent less so sibA would get more? If SibA knows about the condo plan, is that the cause of ...
by MrsBDG
Mon Nov 11, 2019 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 8615

Re: Should I buy the family cottage?

I'd buy it; I'd also have some blunt serious talks with the siblings to talk about the 'what ifs' and what could go wrong and who could get mad and what ugly things could arise. Discuss it before it happens, talk through expectations so you know you are all really on the same page, not just thinking...
by MrsBDG
Mon Nov 11, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Bond fund letters change to Q
Replies: 2
Views: 339

Re: Bond fund letters change to Q

I saw that on Google and wondered if it was pertinent, but am not finding any details about this particular fund, the new reference name says:
NAME CHANGED N/C #REOR CHURCH LIQ TRUST NOT A FD NO SIPC (Q---Q)

I am reading that to be, perhaps, in reorganization and the LIQ as liquidating?
by MrsBDG
Mon Nov 11, 2019 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bond fund letters change to Q
Replies: 2
Views: 339

Bond fund letters change to Q

In liquidating the funds of an elderly relative, there is highly illiquid church bond fund which has had a name formatted X---X. now it has changed to Q---Q with all different letters. Does this mean it's being liquidated? I can call the company tomorrow, but to be blunt, this is such an oddball fun...
by MrsBDG
Mon Nov 11, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinance Suggestions
Replies: 13
Views: 1011

Re: Student Loan Refinance Suggestions

I'd check out the latest on the WCI website, they are always promoting options and sometimes there is a bonus refund.
by MrsBDG
Fri Nov 08, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help Dad do estate planning math and make adjustments
Replies: 45
Views: 2679

Re: Help Dad do estate planning math and make adjustments

! agree with stochastic that even smart people can take a complex situation,especially an emotional one, and follow the wrong path on the math. I know when my husband handled some estate stuff he would come up with how to do some portion of a complicated aspect being divided, then run it by me, some...
by MrsBDG
Mon Oct 28, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help Dad do estate planning math and make adjustments
Replies: 45
Views: 2679

Re: Help Dad do estate planning math and make adjustments

A share of a beach house is both less and more valuable than the stated $220k. Can DD1 sell the share? Is that restricted? If so, then the cash value may be way less and there may be a future of maintenance costs. On the other hand, a share of a beach house could represent all that is good and whole...
by MrsBDG
Mon Oct 28, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: AGI, MAGI, ACA, Subsidies, MFA, and Student Aid Oh My!
Replies: 4
Views: 727

Re: AGI, MAGI, ACA, Subsidies, MFA, and Student Aid Oh My!

It's been a long time, but in my experience, HSA contributions as a self-employed person do reduce FAFSA AGI, unless something has changed in the past few years. Same with 401k/SEP/traditional IRA, but not any ROTHs.
by MrsBDG
Sat Oct 05, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with paper EE bonds with elderly parent
Replies: 21
Views: 1843

Re: Dealing with paper EE bonds with elderly parent

I opened the account with my parent sitting there as I handled it with her. I've found all my dealings with Treasury Direct to feel behind the modern times, it feels like a dial up days website, it's very fussy, hit a back button once and you're logged out. And I just learned that if you have the bo...
by MrsBDG
Sat Sep 21, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance advice needed
Replies: 12
Views: 1110

Re: Term Life Insurance advice needed

On the cholesterol issue, it depends on the company. Some have strict standards, some are more flexible, for example American General will offer preferred best rates if your ratio meets their guidelines. You could post your numbers here or simply ask your broker if another company will offer preferr...
by MrsBDG
Sat Sep 21, 2019 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy from the '80s
Replies: 9
Views: 989

Re: Life insurance policy from the '80s

I agree with the prior posts, when the cash value begins to fall short, the computer often merely calculates the premium required to keep in in-force for the next year. At his age, mortality costs are increasing dramatically every year. Request an in-force illustration to show the death benefit runn...
by MrsBDG
Wed Sep 18, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you always buy term life from a broker?
Replies: 15
Views: 1177

Re: Do you always buy term life from a broker?

In most circumstances I would use the broker, term4sale connects you with three brokers so you can choose the one you prefer. Not every broker sells the same companies, but most of the top companies should be available with each. Brokers should be able to fine tune your choice, looking for preferred...
by MrsBDG
Fri Sep 13, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance vs Permanent Life
Replies: 26
Views: 1758

Re: Term Life Insurance vs Permanent Life

www.term4sale.com will connect you with three agents who can give you three different perspectives on your transactions and can answer all your questions.
by MrsBDG
Mon Sep 09, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance -- Clueless and want to educate myself
Replies: 20
Views: 1380

Re: Life Insurance -- Clueless and want to educate myself

Absolutely do NOT buy any insurance called whole life, universal life, or variable life Another caveat, some companies term plans are actually a level guaranteed period on a UL product, for example Protective Life. It's a term emulation on a UL chassis. It's fine and competitive. I have people call...
by MrsBDG
Wed Sep 04, 2019 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance -- Clueless and want to educate myself
Replies: 20
Views: 1380

Re: Life Insurance -- Clueless and want to educate myself

A quick answer on where to begin with quotes, Term4Sale.com will connect you with three agents in your ZIP code, those agents should be able to give you some good info. If you deduct the cost of premiums, then the death benefit is not entirely income tax-free the way it would be if you do not deduct...
by MrsBDG
Wed Sep 04, 2019 11:49 pm
Forum: Personal Consumer Issues
Topic: Pre-paid Funeral Expenses
Replies: 66
Views: 4089

Re: Pre-paid Funeral Expenses

When my Dad was on hospice I called the funeral home to figure out details, the cremation quote was about $800, Dad died the next day, before I had made official arrangements. I had that funeral home take him and when I went in to do the paperwork the quote was about $2500. I asked about the call an...
by MrsBDG
Thu Aug 29, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Any males in their late 40’s recently shop life insurance?
Replies: 29
Views: 3370

Re: Any males in their late 40’s recently shop life insurance?

Check term4sale.com, you can just search rates, or you can click through and email (or talk) with three agents.
by MrsBDG
Tue Aug 27, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Long distance property managemnt: fiscally responsible or headache?
Replies: 19
Views: 1491

Re: Long distance property managemnt: fiscally responsible or headache?

My parent's old house has been a long distance rental for over a decade as I had hoped the market in their CA town would recovered from it's decline. I have used a local broker to show and rent the house, but do monthly management myself. I lived in the same town, but left 20 years ago. Initially I ...
by MrsBDG
Fri Aug 09, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Received a $17,000 medical bill! Can we negotiate?
Replies: 91
Views: 10556

Re: Received a $17,000 medical bill! Can we negotiate?

Once the insurance company has processed the claim, then, if they have rejected it, you ca file an appeal, in writing, pointing out that the hospital was in network and that you had no control over the network of the surgeon the hospital provided.
by MrsBDG
Wed Aug 07, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Should a Life Insurance producer fill out the paperwork or should I?
Replies: 35
Views: 1871

Re: Should a Life Insurance producer fill out the paperwork or should I?

It's fine for you to complete the paperwork; however, it's not familiar to you and would be easy to miss things, whereas the agent should be quite familiar with the documents and can much more easily complete the pages. We normally give a generic worksheet to clients, with questions gleaned from all...
by MrsBDG
Tue Aug 06, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance for non-working in laws
Replies: 15
Views: 1659

Re: Health insurance for non-working in laws

@Watty
If the father has 40 quarters, does that mean the mother qualifies for Medicare until his account, similar to a SS spousal or survivor benefit?
by MrsBDG
Sat Jul 20, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Term life rate change during application process
Replies: 6
Views: 794

Re: Term life rate change during application process

Lincoln did reprice recently, the rate you get usually depends on the date of the application. You saw quotes, but then you likely had to sign the application, the change date could have occurred between those. Just ask the agent if the original rate you were quoted is available, this sort of thing ...
by MrsBDG
Wed Jul 03, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 9338

Re: Would we regret buying a 2nd home?

We purchased a second home in an area my husband loves. It is over 1,000 miles from our home and we were able to spend 4-5 months a year there initially. The home is moderately priced and in the average home for the area price range, but it's a small tourist town, I don't necessarily expect huge app...
by MrsBDG
Sat Jun 29, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings and Inherited Property
Replies: 53
Views: 6815

Re: Siblings and Inherited Property

CAsage wrote: ↑Mon Feb 11, 2019 2:42 pm Note that if you get an offer, you are legally bound to sell so no fishing here! Excuse me, what? I had my previous house on the market for some time and did not accept a number of initial offers. It would be more accurate to say that if you get a full price ...
by MrsBDG
Fri Jun 28, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Landlords - assessing amount security deposit to return?
Replies: 50
Views: 3706

Re: Landlords - assessing amount security deposit to return?

MrsBDG wrote: ↑Fri Jun 28, 2019 12:13 am I did charge tenants for light bulbs once. They had 16 burned out bulbs and, since I am a remote LL, I had to pay the local handyman to check every fixture, drive to the hardware store, buy the bulbs and replace them. 1-2-3 light bulbs, no, but 16 in easily ...
by MrsBDG
Fri Jun 28, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Landlords - assessing amount security deposit to return?
Replies: 50
Views: 3706

Re: Landlords - assessing amount security deposit to return?

I did charge tenants for light bulbs once. They had 16 burned out bulbs and, since I am a remote LL, I had to pay the local handyman to check every fixture, drive to the hardware store, buy the bulbs and replace them. 1-2-3 light bulbs, no, but 16 in easily reached fixtures was too much. These same ...
by MrsBDG
Tue Jun 25, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: A will and someone on disability
Replies: 12
Views: 1150

Re: A will and someone on disability

In some states SSI will allow the recipient to own their home, you might ask about that. Though it would give him the power to sell it, re-fi it, lose it, etc., if he is financially unreliable.
by MrsBDG
Mon Jun 24, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Parent's Home Below Market
Replies: 47
Views: 4832

Re: Buying Parent's Home Below Market

If your mother wants you to buy the house at an affordable price, she could sell it for the $475,000 and have an amendment to her will that each of your brothers are entitled to $150k (perfectly fair would mean accumulating interest at some appropriate interest rate) right off the top of her estate ...
by MrsBDG
Mon Jun 03, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Where do I buy term life insurance? What are the best companies?
Replies: 14
Views: 1169

Re: Where do I buy term life insurance? What are the best companies?

Term4sale.com will connect you with three agents in your ZIP code.
by MrsBDG
Wed May 22, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to be an executor
Replies: 22
Views: 3912

Re: How to be an executor

On the trust being 'done' now that it is empty, readers should be aware that if there was income in the trust there needs to be a final tax return and also a final return filed for the deceased. Well done with good advance planning to make things easy. I was executor for my Dad and things were prett...
by MrsBDG
Tue May 21, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance requires net worth + tax returns
Replies: 8
Views: 1320

Re: Life insurance requires net worth + tax returns

Some companies are requiring the access to back tax returns now, I know American General requests it when policy face amounts are $5MM or more, if you are applying for a large amount, then they are protecting themselves and you, so you're not worth more dead than alive.
by MrsBDG
Wed May 15, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: DIY amendment to Trust?
Replies: 26
Views: 2365

Re: DIY amendment to Trust?

We've DIYed trust amendments numerous times, for several different trusts. Never had a problem, but the issue is that you don't know you will have a problem until you do. I often find the companies don't know as much as we think they do, I can't tell you how many times a person (title company, insur...
by MrsBDG
Wed May 08, 2019 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity funds for super seniors
Replies: 11
Views: 1441

Re: Fidelity funds for super seniors

She'll need to avoid risking much of her principal, she is paying more for caregiver help the last few years and also has a 30 year old home where things seem to pop up every few years needing repairs- AC, water heater, roof, etc.
by MrsBDG
Tue May 07, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity funds for super seniors
Replies: 11
Views: 1441

Re: Fidelity funds for super seniors

Investing for income, but fairly conservatively since she is mid-90s
by MrsBDG
Tue May 07, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity funds for super seniors
Replies: 11
Views: 1441

Fidelity funds for super seniors

Does anyone have favorite Fidelity funds to recommend for a person in their 90s? She would have a generally conservative outlook, but would like to make a bit more than a 2% savings account or CD and is investing under $10k.
by MrsBDG
Mon Apr 22, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Trust investment choices for a difficult beneficiary
Replies: 115
Views: 8276

Re: Trust investment choices for a difficult beneficiary

An in law's parents died over ten years ago, multiple siblings inherited their childhood home and they have allowed the ne'er do well sibling to live there, rent-free, for all these years. Why? None of the rest of the kids ever want that sibling to show up on their doorstep, homeless. It's really ro...
by MrsBDG
Mon Apr 22, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted living and nursing home expenses
Replies: 27
Views: 2018

Re: Assisted living and nursing home expenses

A few years ago, my in laws insisted on staying in their community when they were forced from their home of 50 years. To be blunt, that was a relief! They each ended up in a board and care home for under $5k monthly. Having the same 2-3-4 caregivers all the time meant their routines could be indulge...
by MrsBDG
Sun Apr 21, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: 1st job as an MD- contract review
Replies: 16
Views: 2197

1st job as an MD- contract review

As a soon to be brand new attending, EM, should the contract be reviewed by an attorney? It seems like it's very much "this is how we do it here."
by MrsBDG
Tue Feb 26, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 2144

Re: Suggestion on high ceiling condo heat issues

We have a three level home on a hill so the bottom level is technically a walk out basement, fully against the hill in the back, fully above ground on the outside. It is always colder down there and the solution has been a thermostatically controlled space heater AND closing the door. Adding heat to...
by MrsBDG
Tue Feb 26, 2019 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Help with Onerous SSI Redetermination Visits
Replies: 13
Views: 1167

Re: Help with Onerous SSI Redetermination Visits

I believe that someone on SSI-DIS who does not have 40 quarters of SS work would remain on SSI-DIS after 65.
by MrsBDG
Tue Feb 26, 2019 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Vacation Home/Rental Property
Replies: 18
Views: 1657

Re: Vacation Home/Rental Property

A good group, if you are on FB, is 'Say No to the VRBO Fee' I believe we have 6k+ members now and you'll read good and bad stories. Start looking at AirBnB/VRBO for houses in your area; view them weekly, look at their calendars; look at how much they are filling up ahead; pay attention to the quoted...
by MrsBDG
Fri Feb 22, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Family member duped into life insurance -- any recourse?
Replies: 84
Views: 7979

Re: Family member duped into life insurance -- any recourse?

It is an issue in our culture, when your parents on moving on the continuum between fully fine to handle financial and other affairs to the place where anyone would know they cannot handle affairs. We had an in law who was paying his agency provided caregiver as much in cash on the side as she was m...
by MrsBDG
Fri Feb 22, 2019 2:45 am
Forum: Personal Finance (Not Investing)
Topic: Family member duped into life insurance -- any recourse?
Replies: 84
Views: 7979

Re: Family member duped into life insurance -- any recourse?

One possibility: I knew of a case many years ago where an individual purchased a term policy with an annual premium, at that times there was a significant discount for paying annually, perhaps up to 10%. At the beginning of year two, the insured was surprised that the annual payment no longer garner...
by MrsBDG
Fri Jan 18, 2019 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Screwed up big time applying for life insurance
Replies: 15
Views: 2526

Re: Screwed up big time applying for life insurance

Stinky is correct, you have a free look period, 10-30 days after policy delivery, but you can also tell the agent not to issue the policy, that you don't accept the company's offer and ask for a refund. You should be able to obtain a copy of your lab results, either via the company or the lab and th...
by MrsBDG
Mon Jan 14, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA vs Solo 401k - What am I not getting?
Replies: 28
Views: 1270

Re: SEP IRA vs Solo 401k - What am I not getting?

Am I correct, a SEP limits contributions to 25% of income and $56k total, but the 401k limits to $56k (plus catch up) without the 25% limit? No limit at all?
by MrsBDG
Sun Jan 13, 2019 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Purchased rentals, spent savings and now I am worried about debt
Replies: 19
Views: 3189

Re: Purchased rentals, spent savings and now I am worried about debt

Join the Facebook forums for STR hosts, Say No to the VRBO Fee has 5-6k members and you can learn so much reading others silly and serious questions & issues. The Hosting Journey is also good. If you are a forum person there is no better way to learn on the fly than reading how others did it right o...
by MrsBDG
Sat Jan 12, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Unique One: Mom's Retirement Life Insurance
Replies: 8
Views: 981

Re: Unique One: Mom's Retirement Life Insurance

I don't see a female 70/71 policy for the amounts you mentioned, but I do see Transamerica has a 20 year term. You can also ask your agent to check the "level to" plans (level to age 85-90-95-100) and see which is best for her personal profile.
by MrsBDG
Fri Jan 04, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life insurance to buy?
Replies: 32
Views: 2872

Re: How much term life insurance to buy?

Laddering is quite popular now. You can compare one policy, for example $3MM for 30 years versus $1MM each of a 10/20/30 year. You can always reduce the face amount in the future, which is cheaper will depend on your case. Each company includes a policy fee of $50-100 per policy, how does that $100-...
by MrsBDG
Mon Dec 17, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Questions
Replies: 8
Views: 655

Re: Term Life Insurance Questions

I agree with term4sale.com as a great option. Term4sale is an independent referral service which will provide you a connection to three different agents based on your zip code.