Search found 165 matches

by Jill07
Tue Aug 25, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Pursue Inheritance Asset or Let it Go?
Replies: 14
Views: 2141

Re: Pursue Inheritance Asset or Let it Go?

You and Trustee #2 have an obligation to the beneficiaries to become more involved. I would be less concerned with the 120,000 in paintings and much more concerned about the estimated 3.6 million in stocks/bonds . Do you have your own login access to the trust account? If Trustee #1 was helping your...
by Jill07
Thu Jan 23, 2020 6:25 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 28454

Re: Sad news: LadyGeek's husband has passed

LadyGeek, you are in my thoughts. I am sorry for your loss. Your dedication to the Bogleheads forum is greatly appreciated.
by Jill07
Fri Nov 22, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Mom died. Sister now in shady real estate deal with Mom’s property.
Replies: 41
Views: 8069

Re: Mom died. Sister now in shady real estate deal with Mom’s property.

I am sorry for your loss. I am in PA and can share my experience. Maybe it will be helpful to you or another reader. When a person dies without a will, someone (parent, child, sibling,etc) needs to take a death certificate to the County Register of Wills. The County will certify someone to act as Ad...
by Jill07
Mon Nov 04, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: kia soul ex for a senior
Replies: 8
Views: 1200

Re: kia soul ex for a senior

We always try to rent a Kia Soul when on vacation. We love the visibility and the size. My husband talks about getting one when he retires!
by Jill07
Fri Mar 08, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: deleted post
Replies: 0
Views: 470

deleted post

removed post
by Jill07
Sun Mar 03, 2019 11:02 am
Forum: Personal Investments
Topic: opinion on one specific stock holding
Replies: 12
Views: 780

Re: opinion on one specific stock holding

When inheriting a stock you get a "step-up" in the cost basis, so you can sell it tax-free if sold right away. Maybe your FIL didn't sell this stock because he had a large capital gain. By leaving it as an inheritance to his daughter, she could then sell it tax-free.
by Jill07
Tue Feb 26, 2019 9:46 am
Forum: Personal Investments
Topic: GE Wabco Merger
Replies: 54
Views: 9278

Re: GE Wabco Merger

We have a small holding in GE that was inherited many years ago . We are mutual fund investors and are not well versed in the pitfalls of holding individual stocks. So, we have not paid a lot of attention to the GE stock as it is the only individual stock we hold. Unfortunately, we rode it all the ...
by Jill07
Wed Jan 02, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 2120

Re: Using less plastic

When possible, hang clothes on line or drying rack & avoid the dryer. That will save a lot of electricity! Even if you can't avoid using the dryer completely, every bit will help. You will notice a difference in your electric/gas bill too.
by Jill07
Sun Dec 02, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3433

Re: Has anyone on this board painted over wallpaper?

Definitely remove the wallpaper. You need a wall paper steamer & putty knife to scrape. Check out Youtube for help. I have a Wagner steamer. It’s a messy job so protect your floors. The steamer will make a huge difference. Wallpaper that is only 20 years old shouldn’t be too difficult to remove once...
by Jill07
Mon Sep 17, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 3227

Re: are iPad Minis obsolete?

I love my Ipad mini! Bestbuy had the ipad mini 4 128 GB for $299 in June (normally $399). It is perfect for travel & fits nicely in a small handbag. I took all my pictures with it. Great for reading too. I do not have a plus size iphone. If you have a smaller iphone, you might like the ipad mini too.
by Jill07
Wed Sep 12, 2018 12:24 pm
Forum: Personal Investments
Topic: Expat income and 401(k)
Replies: 22
Views: 2644

Re: Expat income and 401(k)

No first-hand experience with this exact scenario but my understanding is contributions to employer plans should be fine. That contribution comes off the top of your income (reduces W2 income). FEIE is claimed later on your tax return based on your actual reported income ie net of contributions. Th...
by Jill07
Tue Sep 11, 2018 3:39 pm
Forum: Personal Investments
Topic: Expat income and 401(k)
Replies: 22
Views: 2644

Re: Expat income and 401(k)

Does anyone have further clarification on whether an expat whose entire income is excluded under FEIE can contribute to their company’s 401k or Roth 401k? I am not considering any IRAs. I understand that contributions to any IRA are not permitted. Does it make a difference if the 401k is a “Safe Har...
by Jill07
Thu Sep 06, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 6248

Re: To Be or Not to Be...Married

I apologize if the phrase I used "ready for marriage" was harsh. I overstated my point. I did not mean to create any controversy but just wanted to point out that calculating taxes, student loans, etc. sometimes misses the point. Life just happens & sometimes we can't factor in all the financial stu...
by Jill07
Thu Sep 06, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 6248

Re: To Be or Not to Be...Married

I don't think you are ready for marriage or children.
It's not all about money.

There are no guarantees in life. You or your future spouse can get sick .. require care. You can have a child that has special needs. Put those options into your calculations. Life isn't all about money.
by Jill07
Tue Sep 04, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with paper EE bonds with elderly parent
Replies: 21
Views: 1970

Re: Dealing with paper EE bonds with elderly parent

Why not cash 6 months worth at a time? Maybe you can accompany your MIL to the bank so the bonds do not get misplaced. You don't have to wait until the bond reaches final maturity to cash it out. Consider taxes too. MIL will get a 1099 for the tax year.
by Jill07
Fri Aug 31, 2018 7:01 pm
Forum: Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 8551

Re: I want to pry my friend away from Edward Jones

Mention this website to your friend. Nothing more.. stay out of it. I understand that you want to help but look at all the responses you've received. Spend your time on something else. You will only get blamed when the market inevitably goes down.
by Jill07
Fri Aug 10, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property with Sibling Questions
Replies: 22
Views: 1964

Re: Rental Property with Sibling Questions

I would consult with a few Realtors. There is a house on my street that is a mess. It needs everything.. roof, siding, windows, driveway, kitchens, baths etc There was one owner for 40 years & little maintenance was done. The family needed to sell it. A flipper did make a lowball offer, which the fa...
by Jill07
Tue Aug 07, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: HELP!!!!! Need to find documentation of index superiority
Replies: 32
Views: 3311

Re: HELP!!!!! Need to find documentation of index superiority

You have already given your friends some advice. It’s up to them now. If you persist & convince them to follow your investment suggestions, they will hold you responsible when the market inevitably goes down.
by Jill07
Thu Jun 21, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 9734

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: 3531

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: 4457

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: 477

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: 31
Views: 3907

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: 11237

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: 6277

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: 8849

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: 2639

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: Personal Investments
Topic: Inherited Ira - Help re: RMD from and ETF
Replies: 5
Views: 723

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: Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 4374

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: 22
Views: 4072

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: 3452

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: 2843

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: 2843

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: 9559

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: 9559

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: Personal Investments
Topic: Taxes in Death
Replies: 14
Views: 2031

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: 2739

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: 2739

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: 1465

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: 1465

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: 9066

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: 2700

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: 1287

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: 1287

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: 20168

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: 4197

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: 253

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: 83
Views: 9464

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: 2783

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: 8964

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.