Search found 171 matches

by lhwerdyt*1791c
Mon Oct 22, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

Ianal (do you understand this appriviation) I did however quote from your link what appears to be the correct section of code. It appears the estate would be essentially split in two. All the children of brother 1 would evenly split that share. All the grand children of brother 2 would split that s...
by lhwerdyt*1791c
Mon Oct 22, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

Hi.

Sorry this took longer than expected to look it up.

The split was apparently 50/50 between two groups:
- direct heirs of brother #2
- grand heirs of brother #3

I hope this is clear.

Thank you all so much for your responses.

Take care,

"LHW"
by lhwerdyt*1791c
Sat Oct 13, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Education
Replies: 14
Views: 1717

Re: Financial Education

Thank you for the additional info.
by lhwerdyt*1791c
Sat Oct 13, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Financial Education
Replies: 14
Views: 1717

Re: Financial Education

I can't find the NPR segment that I'm thinking of - a report about a group of women who met weekly? monthly? to go over there household finances, and discuss ways to improve their household savings. It was peer-to-peer, with tools provided by the organization that was trying to improve family finan...
by lhwerdyt*1791c
Fri Oct 12, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Education
Replies: 14
Views: 1717

Re: Financial Education

Hi there, I'm an Americorps Vista working for a non profit called SNAP in Spokane, WA. Currently, we are working on an initiative called Bank On (http://joinbankon.org/), which is a brand new national program designed to help low income residents engage in traditonal banking methods. There are a la...
by lhwerdyt*1791c
Fri Oct 12, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Any Work Experience w/AmeriCorps Vista?
Replies: 2
Views: 328

Any Work Experience w/AmeriCorps Vista?

I've been looking at employment opportunities with AmericCorps Vista for myself and a friend. As far as I can tell, such positions are considered volunteer work. The job pays a stipend of approx. $1,100/monthly, along with some personal/medical and some reimbursement benefits for commuting and healt...
by lhwerdyt*1791c
Fri Oct 12, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

Of course. I'll look for the letter that explains the split this weekend. As far as being satisfied with the split, so long as it was legally compliant, we accept it. Out of all heirs, only one heir had a mutually close relationship with Robert, but of course, that's not legally relevant. None of th...
by lhwerdyt*1791c
Fri Oct 12, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Need Reliable CPAP Supplier
Replies: 5
Views: 305

Re: Need Reliable CPAP Supplier

For supplies that are covered by insurance, I let my DME do it. For supplies that are not, and for accessories (like lithium batteries for powering my machine overnight when camping), I've used mycpap.com and cpap.com. They're both good, reliable, typical Internet "mail-order" companies. I sometime...
by lhwerdyt*1791c
Fri Oct 12, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Need Reliable CPAP Supplier
Replies: 5
Views: 305

Re: Need Reliable CPAP Supplier

Probably the best approach is to choose a supplier, call them, and ask them "are you a Medicare DME?" If they say "yes," then ask them what protocol needs to be followed. Okay, good. FYI: Before I posted, this evening, I searched for suppliers but couldn't find any supplier that was reviewed by mor...
by lhwerdyt*1791c
Fri Oct 12, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need Reliable CPAP Supplier
Replies: 5
Views: 305

Re: Need Reliable CPAP Supplier

My sister has Medicare. I'll just corrected my OP on that.

May I ask if you are covered through Medicare, too?

If so, does Medicare then choose the supplier under the DME coverage?
by lhwerdyt*1791c
Fri Oct 12, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Need Reliable CPAP Supplier
Replies: 5
Views: 305

Need Reliable CPAP Supplier

Hello, My sister uses a cpap machine. She is covered by Medicare. She gets her replacement supplies such as mask, headgear, tubing, etc., from " Sleep Med Inc ". Website: www.sleepmedinc.com She orders from Sleep Med company because that's the supplier chosen by her treating sleep doc. However, Slee...
by lhwerdyt*1791c
Fri Oct 12, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

Hello, all - sorry for the long time taken to acknowledge your responses since mid-July. I'm just returning to the blog, now. The estate settled in August. We did eventually speak with the managing attorney prior to settlement. Although we don't think she explained it very well, she did verify that ...
by lhwerdyt*1791c
Fri Oct 12, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

I thought of another wrinkle. Are there grand neices/nephews of brother 2 that do NOT have a living parent that is a neice/nephew? Essentially every child of brother 1 and 2 is due a share. And every grandchild of the brothers that doesn't have a living parent is due a share which depends on how ma...
by lhwerdyt*1791c
Fri Oct 12, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

I thought of another wrinkle. Are there grand neices/nephews of brother 2 that do NOT have a living parent that is a neice/nephew? Essentially every child of brother 1 and 2 is due a share. And every grandchild of the brothers that doesn't have a living parent is due a share which depends on how ma...
by lhwerdyt*1791c
Fri Oct 12, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Hello, this is a much delayed "thank you" to all of you who posted in and since mid-July. I'm just returning now to the blog, and appreciate your responses.
by lhwerdyt*1791c
Mon Jul 16, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10454

Re: Why own a bed?

Are there any good reasons to own a bed? Why not just sleep on a mattress on the floor (I think the Japanese do that?) instead of paying hundreds or thousands of dollars to sleep a few feet off the ground? Depends on your age, too. As we got older, we needed a bed that was off the floor; a higher b...
by lhwerdyt*1791c
Mon Jul 16, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

Why have you not consulted a lawyer in Indiana and or the probate court by now? Very fair question. It's still in probate. I think only they can fully answer this question. Ianal . I think the section you are looking at deals with cousins. Some states never get to cousins. But most likely the other...
by lhwerdyt*1791c
Mon Jul 16, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

retiredjg wrote:
Mon Jul 16, 2018 1:56 pm
Happy to help. Hope things work out well for her (and you too!). :happy
Very kind of you.
by lhwerdyt*1791c
Mon Jul 16, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

Why have you not consulted a lawyer in Indiana and or the probate court by now? Very fair question. It's still in probate. I think only they can fully answer this question. Ianal . I think the section you are looking at deals with cousins. Some states never get to cousins. But most likely the other...
by lhwerdyt*1791c
Mon Jul 16, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10454

Re: Why own a bed?

PFInterest wrote:
Mon Jul 16, 2018 10:43 am
......

a box spring is like.....100 new. 20 on craigslist.

a metal frame is also like 50.

i dont know where you get thousands.
Depends on you age, too. As we got older, we needed a bed that was off the floor; it was so much easier to change the sheets.
by lhwerdyt*1791c
Mon Jul 16, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Paying $76 one or two times will not ruin her portfolio if she prefers the Vanguard product. However, if there is also a fee for selling it would be a bad idea because she may be selling several times a year. The important thing is to make a decision and get the money where it needs to be. Any of t...
by lhwerdyt*1791c
Mon Jul 16, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

It's been a while since I've posted so I'd like to ask the question(s) in a differently way. Background: The deceased individual lived in Indiana had no will. His spouse, child, parents, grandparents, and siblings all predeceased him. The only related individuals surviving the decendent are his fir...
by lhwerdyt*1791c
Fri Jul 13, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

One other thing for consideration. Intestate succession for real property is controlled by the statutes of the state in which the real property is located. Based on what you said, it looks like the only real property he owned was his house ( "It is a modest estate consisting mostly of a house." ). ...
by lhwerdyt*1791c
Fri Jul 13, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

Based on the following information, who are the legal heirs and how is the estate to be legally spit among the heirs? Is this a state or federal based law? The family is in the process of hiring an estate lawyer but appreciates comments from the forum.</t> <t>1. An uncle, Robert, recently deceased....
by lhwerdyt*1791c
Fri Jul 13, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Who are heirs? No will.
Replies: 63
Views: 9574

Re: Who are heirs? No will.

It's been a while since I've posted so I'd like to ask the question(s) in a differently way. Background: The deceased individual lived in Indiana had no will. His spouse, child, parents, grandparents, and siblings all predeceased him. The only related individuals surviving the decendent are his firs...
by lhwerdyt*1791c
Fri Jul 13, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

#2: Ok. We will look to see if Schwab has a three-fund: Total Stock index, total international, index, and a bond (total if available) at some point if she wants to consider it. Schwab's Target Date Index funds would be essentially the same as a "3 fund portfolio". They use slightly different build...
by lhwerdyt*1791c
Mon Jul 02, 2018 11:18 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

1. She is ok with having a TD plus a three-fund portfolio but wants to know, is there a simpler way to go about it assuming she still keeps SV at Pru? She could keep it all at Prudential. That would be simpler. If she wants to move her money and if she wants to keep the SV, that sounds like a reaso...
by lhwerdyt*1791c
Mon Jul 02, 2018 12:44 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

1. Re: Schwab Total Bond Index Per the much appreciated above suggestions re: 10% into the Schwab Total Bond Index (SWLGX, right?)...I couldn't find it listed at S. Schwab's related "FAQs" on this explains that it liquidated SWLGX in 2017 and suggested two replacement options: - Schwab US Aggregate...
by lhwerdyt*1791c
Sun Jul 01, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I'm with Schwab and use Vanguard Lifestrategy in all accounts. Since I'm retired and don't contribute anymore, there was only a one time fee for purchasing and now we only sell as needed with NO fee at all. Works great for us so far. Hello, was there any significant reason why you chose V Lifestrat...
by lhwerdyt*1791c
Mon Jun 25, 2018 11:40 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I'm with Schwab and use Vanguard Lifestrategy in all accounts. Since I'm retired and don't contribute anymore, there was only a one time fee for purchasing and now we only sell as needed with NO fee at all. Works great for us so far. Hello, was there any significant reason why you chose V Lifestrat...
by lhwerdyt*1791c
Sun Jun 17, 2018 2:39 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

For those that continue to erroneously mention that the SIP has a "cash drag" you should actually research the details of the actual fixed income allocation that SIP uses. There is no cash drag. I did a quick evaluation of the yield of the example portfolio that Schwab has on this page: https://int...
by lhwerdyt*1791c
Fri Jun 08, 2018 2:14 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Well, you have two choices: you can unwrap the funds, taking them out of your SIP account and moving them to a regular account, or liquidate the funds within SIP and transfer the proceeds to a regular account. The first option means that when you sell, you may have to pay transaction costs, dependi...
by lhwerdyt*1791c
Fri Jun 08, 2018 2:09 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 13665

Re: New mattress

I just ordered an Avocado Green mattress which is a hybrid with coils and latex. Should have it by end of month. My brother bought a sleep on latex bed a couple weeks ago. He got the soft version and I thought it was too soft. If possible, let us know what you think of the Avocado Green mattress. T...
by lhwerdyt*1791c
Fri Jun 08, 2018 2:02 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

For those that continue to erroneously mention that the SIP has a "cash drag" you should actually research the details of the actual fixed income allocation that SIP uses. There is no cash drag. I did a quick evaluation of the yield of the example portfolio that Schwab has on this page: https://int...
by lhwerdyt*1791c
Fri Jun 08, 2018 1:18 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

I recently decided to give the Intelligent Portfolios a try (I'm 99% invested 3 fund) for two reasons (1) try out Schwab's customer service (so far middling to disappointing) and (2) because I was curious about the intelligent portfolio product. I picked the most aggressive allocation and my weight...
by lhwerdyt*1791c
Fri Jun 08, 2018 1:13 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

1. Re: Schwab Total Bond Index Per the much appreciated above suggestions re: 10% into the Schwab Total Bond Index (SWLGX, right?)...I couldn't find it listed at S. Schwab's related "FAQs" on this explains that it liquidated SWLGX in 2017 and suggested two replacement options: - Schwab US Aggregate...
by lhwerdyt*1791c
Fri Jun 08, 2018 1:04 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

1. Re: Schwab Total Bond Index Per the much appreciated above suggestions re: 10% into the Schwab Total Bond Index (SWLGX, right?)...I couldn't find it listed at S. Schwab's related "FAQs" on this explains that it liquidated SWLGX in 2017 and suggested two replacement options: - Schwab US Aggregate...
by lhwerdyt*1791c
Wed Jun 06, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 13665

Re: New mattress

Start by reading the forums and the articles here https://www.themattressunderground.com/mattress-forum.html the user Phoenix is the most knowledgeable owner/member on a subject on any forum I've seen he knows more about mattresses than any one person should know, he breaks down the memory foam den...
by lhwerdyt*1791c
Tue Jun 05, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

First, I spoke with Schwab tonight re: any fees for buying a Vanguard TD fund from the Schwab account. S charges $76 to buy, $0 to sell if it's a mutual fund. No "fee" if Schwab offers an ETF equivalent fund except for $4.95 cost; not sure if that's $4.95 once or when selling, too. I couldn't find ...
by lhwerdyt*1791c
Tue Jun 05, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Hello, and thx for information. Can you brief explain what's involved in unwinding SIP? Well, you have two choices: you can unwrap the funds, taking them out of your SIP account and moving them to a regular account, or liquidate the funds within SIP and transfer the proceeds to a regular account. T...
by lhwerdyt*1791c
Mon Jun 04, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: lifestrategy

Well, the Schwab rep told me last night that the fee(s) applied to buying a Vanguard Target Date fund(s) at Schwab at least that's what I understood. But I'll verify. Yes, a fee would apply to buying Vanguard funds at Schwab. I meant there should be no fee to buy a Schwab Index Target fund at Schwa...
by lhwerdyt*1791c
Mon Jun 04, 2018 6:12 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

lifestrategy

Well, the Schwab rep told me last night that the fee(s) applied to buying a Vanguard Target Date fund(s) at Schwab at least that's what I understood. But I'll verify. Yes, a fee would apply to buying Vanguard funds at Schwab. I meant there should be no fee to buy a Schwab Index Target fund at Schwa...
by lhwerdyt*1791c
Mon Jun 04, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

First, I spoke with Schwab tonight re: any fees for buying a Vanguard TD fund from the Schwab account. S charges $76 to buy, $0 to sell if it's a mutual fund. No "fee" if Schwab offers an ETF equivalent fund except for $4.95 cost; not sure if that's $4.95 once or when selling, too. I couldn't find ...
by lhwerdyt*1791c
Mon Jun 04, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Did you find that the SIP offers you something you want that the Target Date Index fund does not offer? If not, I'd just go with the target fund. If it ever migrates to a position that is too conservative for you, just exchange it (or part of it) to the next less aggressive date. Nothing stood out ...
by lhwerdyt*1791c
Mon Jun 04, 2018 2:23 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

We have a related TD question. Since one can choose non-Schwab funds, we are also looking at Vanguard target dates funds instead of the relatively newer Schwab target date funds. We realize past performance data is not a guarantee of future data, but an thoughts? All things being equal, I'd prefer ...
by lhwerdyt*1791c
Mon Jun 04, 2018 1:49 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Having only been trying the product for <1 month it is hard to say much more about it. I think if I were going to do a roboadvisor (which I am :D) then picking Schwab for 0 additional direct fees (yes the cash drag) would be my choice. Do you think the Schwab robo offers something better than the i...
by lhwerdyt*1791c
Mon Jun 04, 2018 1:43 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

A potential "problem" with Target date funds is the regular (but slow) change in asset allocation over time. Might be something you want but maybe you don't. There are a lot of fund-of-funds around, many from Vanguard (LifeStrategy, target date, etc) but also from Schwab, Fidelity, and just about e...
by lhwerdyt*1791c
Mon Jun 04, 2018 1:35 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Hello, and thx for information. Can you brief explain what's involved in unwinding SIP? Well, you have two choices: you can unwrap the funds, taking them out of your SIP account and moving them to a regular account, or liquidate the funds within SIP and transfer the proceeds to a regular account. T...
by lhwerdyt*1791c
Mon Jun 04, 2018 1:22 am
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolio vs. Schwab Target Fund
Replies: 92
Views: 11827

Re: Schwab Intelligent Portfolio vs. Schwab Target Fund

Did you find that the SIP offers you something you want that the Target Date Index fund does not offer? If not, I'd just go with the target fund. If it ever migrates to a position that is too conservative for you, just exchange it (or part of it) to the next less aggressive date. Nothing stood out ...