Search found 512 matches

by jefmafnl
Mon Apr 05, 2021 10:02 am
Forum: Personal Consumer Issues
Topic: Virtual memorial service
Replies: 3
Views: 406

Virtual memorial service

My brother and I would like to organize a virtual memorial service for our Mom, who died of Covid-19 in January. There are a number of companies offering to help with this, but none of them seems to be listed with the Better Business Bureau or to have Yelp reviews. Does anyone have experience with N...
by jefmafnl
Thu Apr 01, 2021 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Moving: app or software to plan furniture in rooms
Replies: 2
Views: 227

Moving: app or software to plan furniture in rooms

We are moving from a partly furnished to an unfurnished rental apartment and need to plan our furniture purchases to fit the rooms. Can anyone recommend a simple, quick-to-learn app (iPad) or program (Mac) in which we can input the dimensions of rooms and furniture, in order to experiment with the p...
by jefmafnl
Sat Mar 27, 2021 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant (for taxes) in the Netherlands
Replies: 4
Views: 341

Re: Accountant (for taxes) in the Netherlands

Thanks to all who replied.

I have an initial phone call with an accountant on Monday. When I am able to evaluate this accountant, I will post for the benefit of anyone else who might be in this situation.

J
by jefmafnl
Mon Mar 22, 2021 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Accountant (for taxes) in the Netherlands
Replies: 4
Views: 341

Accountant (for taxes) in the Netherlands

We (dual citizens US/Netherlands) have a somewhat complicated tax situation due to social security and pension income from 3 countries, plus distribution from both traditional and inherited IRA's. Our present US and Dutch accountants suggested we consult another accountant more familiar with the US-...
by jefmafnl
Tue Mar 16, 2021 10:46 am
Forum: Personal Investments
Topic: Inherited IRA's
Replies: 20
Views: 2098

Re: Inherited IRA's

Thanks. Current broker is not (yet) insisting...I just wanted to know what to do if he does...

J
by jefmafnl
Tue Mar 16, 2021 7:32 am
Forum: Personal Investments
Topic: Inherited IRA's
Replies: 20
Views: 2098

Re: Inherited IRA's

We would prefer to skip the extra step (transfer) if possible...
by jefmafnl
Tue Mar 16, 2021 4:30 am
Forum: Personal Investments
Topic: Inherited IRA's
Replies: 20
Views: 2098

Re: Inherited IRA's

Thanks to all who replied. There some to be conflicting opinions on whether assets from my (deceased) Mom's traditional IRA first need to be transferred to inherited IRA's (for the 3 beneficiaries) at the same brokerage where the IRA is presently held, before the assets can be transferred to (newly ...
by jefmafnl
Sun Mar 14, 2021 1:54 pm
Forum: Personal Investments
Topic: Inherited IRA's
Replies: 20
Views: 2098

Re: Inherited IRA's

Thanks to all.

I'm still wondering whether the present broker can insist that we first set up inherited IRA's with him, or whether we can insist on just having the securities transferred in-kind to our brokerages.

J
by jefmafnl
Sun Mar 14, 2021 12:02 pm
Forum: Personal Investments
Topic: Inherited IRA's
Replies: 20
Views: 2098

Re: Inherited IRA's

Thanks all.

What would "IRA basis" be...nondeductible contributions, which thus would not have to be taxed upon withdrawal?

I'm still curious as to whether the securities can be transferred in kind to new broker without first setting up an inherited IRA at the old broker.

J
by jefmafnl
Sun Mar 14, 2021 6:23 am
Forum: Personal Investments
Topic: Inherited IRA's
Replies: 20
Views: 2098

Inherited IRA's

My mother passed away from Covid-19 in January. My brother, his son, and I are the beneficiaries of her (traditional) IRA account. I have 3 questions. 1 She had not taken her RMD for 2021. In previous years her RMD was transferred to the taxable brokerage account of her trust, of which my brother an...
by jefmafnl
Mon Mar 08, 2021 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Medicare B enrollment and Medigap
Replies: 14
Views: 1178

Re: Delayed Medicare B enrollment and Medigap

Thanks to all who replied. I checked the Medicare site and called their 800 number. The info on the site, the info I received while on hold on the phone, and the info from the representative were all the same: If we wait to enroll in Part B until we move back to the U.S. (probably paying higher mont...
by jefmafnl
Mon Mar 01, 2021 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Delayed Medicare B enrollment and Medigap
Replies: 14
Views: 1178

Re: Delayed Medicare B enrollment and Medigap

Thanks. The question is whether to sign up for Medicare Part B now, paying for months or years when we will not be living in the U.S., and jeopardizing our ability to get Medigap coverage when we do move back; or to sign up for Medicare Part B and Medigap when and if we move back to the U.S., and re...
by jefmafnl
Sun Feb 28, 2021 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Delayed Medicare B enrollment and Medigap
Replies: 14
Views: 1178

Re: Delayed Medicare B enrollment and Medigap

Thanks. Actually we are already receiving Social Security and enrolled in Medicare Part A. There is a Special Enrollment Period for 8 months following last date of employment or of group coverage, whichever comes first. So the question is not if it's possible to sign up for Part B, but whether it ma...
by jefmafnl
Sun Feb 28, 2021 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Medicare B enrollment and Medigap
Replies: 14
Views: 1178

Re: Delayed Medicare B enrollment and Medigap

I did ask a broker about purchasing Medigap insurance, and she confirmed that we need US residence.
by jefmafnl
Sun Feb 28, 2021 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Medicare B enrollment and Medigap
Replies: 14
Views: 1178

Delayed Medicare B enrollment and Medigap

My wife and I (U.S. citizens by birth, now also Dutch citizens) were planning to relocate back to the U.S. in November, after more than 26 years in Europe. But due to the challenges of finding suitable housing from thousands of miles away, during a pandemic, we postponed our move, and we are now pla...
by jefmafnl
Fri Feb 05, 2021 1:37 pm
Forum: Personal Consumer Issues
Topic: How do I sign a pdf file?
Replies: 12
Views: 998

Re: How do I sign a pdf file?

Thanks to all who replied.

What worked was, after clicking Fill and Sign, clicking in the signature box. That led to a procedure of creating and storing a digital signature on my computer, which then could be used to sign.
by jefmafnl
Thu Feb 04, 2021 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Special Enrollment Period
Replies: 3
Views: 267

Medicare Special Enrollment Period

Medicare site says that, if one does not sign up immediately for Medicare Part B at 65, one can do so up to 8 months after end of employment or the end of employer-provided health benefits, whichever comes first.

The Nolo book (2020 edition) says 7 months.

Anyone know which is correct?

Thanks!

J
by jefmafnl
Thu Feb 04, 2021 11:08 am
Forum: Personal Consumer Issues
Topic: How do I sign a pdf file?
Replies: 12
Views: 998

How do I sign a pdf file?

I need to fill out, sign, and return an ACH form sent by a company that is hiring me for a specific project. They sent a password-protected pdf file (and the password in a separate e-mail). I am using the free version of Adobe (specifically, Adobe Acrobat Reader DC 20.12.20041.394260 for Mac). I cli...
by jefmafnl
Sat Jan 09, 2021 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Preserving text messages and e-mails for possible legal matter
Replies: 23
Views: 2294

Re: Preserving text messages and e-mails for possible legal matter

Thanks to all. The amount of the earnest money is relatively trivial in this case. It gets returned to the buyer in 2 years, unless either buyer and seller agree on a division of the earnest money, or a court order determines what happens to the earnest money. Perhaps the situation is somewhat compl...
by jefmafnl
Fri Jan 08, 2021 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Preserving text messages and e-mails for possible legal matter
Replies: 23
Views: 2294

Re: Preserving text messages and e-mails for possible legal matter

Thanks to all. We do not anticipate that seller will sign release of the escrow deposit. The text messages and e-mails are on my iMac (2011 vintage, likely to die soon) running macOS High Sierra 10.13.6. I'm not sure where they are stored in the file system...what's the easiest way to find them so t...
by jefmafnl
Fri Jan 08, 2021 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Preserving text messages and e-mails for possible legal matter
Replies: 23
Views: 2294

Preserving text messages and e-mails for possible legal matter

We did not complete our intended purchase of a condo, due to the seller's not meeting his or her obligations before closing. He or she may be litigious. We have pdf files of the contract and addenda. However, lots of important info on the property was sent to us by our realtor via text message, and ...
by jefmafnl
Thu Dec 17, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: General warranty deed, with or without survivorship?
Replies: 0
Views: 100

General warranty deed, with or without survivorship?

My wife and I are purchasing a condominium.

The title insurance company needs to know whether we would like a General Warranty Deed or a General Warranty Deed with survivorship.

When one of us dies, what are the practical consequences of each of these choices?

Thanks!

J and M
by jefmafnl
Wed Dec 16, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Flood insurance?
Replies: 10
Views: 626

Re: Flood insurance?

Thanks to all who replied. FEMA map shows something like "Minimal Flood Risk." Realtor.com shows 1 on a scale of 1 to 10, from a site called "Flood Factor," and "MassiveCert estimates that this property is in FEMA Zone X, which means that flood insurance is recommended, but ...
by jefmafnl
Wed Dec 16, 2020 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Flood insurance?
Replies: 10
Views: 626

Flood insurance?

Regarding risk of flooding, the condominium that we are buying has a rating of 1 (on a scale of 1 to 10, 10 being the greatest risk) from FEMA.

How do we decide whether to purchase flood insurance?

Thanks!

J and M
by jefmafnl
Sun Dec 13, 2020 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Condo and umbrella insurance
Replies: 1
Views: 230

Condo and umbrella insurance

We are relocating from Europe back to the U.S., and thus do not presently have insurance through U.S. insurers. We just signed a purchase agreement on a condo. Since we are paying cash, the closing is fairly soon. For ratings of insurance companies, with respect to condo insurance and umbrella insur...
by jefmafnl
Sat Dec 12, 2020 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Does a condo owner need umbrella insurance?
Replies: 21
Views: 2587

Re: Does a condo owner need umbrella insurance?

We just signed a purchase agreement on a condo.

Since we are paying cash, the closing is soon.

For ratings of insurance companies, for condo insurance and umbrella insurance, are there any reliable sites other than Consumer Reports and perhaps U.S. News and World Report?

Thanks!

J and M
by jefmafnl
Sun Dec 06, 2020 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Indian Hills condos, Akron, Ohio
Replies: 3
Views: 477

Indian Hills condos, Akron, Ohio

We will be relocating from Europe to the U.S. We are considering buying a condo in Indian Hills (Akron, Ohio) on the basis of a virtual tour (Zoom) with our trusted real estate agent. If anyone lives there, or has lived there in the past 10 years, or lives in the area and knows these condos well, I ...
by jefmafnl
Wed Dec 02, 2020 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Redeeming paper savings bonds
Replies: 8
Views: 798

Redeeming paper savings bonds

We will be relocating to the U.S. to buy a condo, probably with cash. We would like to use our savings bonds as part of the payment. Most of the bonds are in my name "or" my wife's. Some are the other way around. My wife will probably be flying to the U.S. to look at the condo. It would be...
by jefmafnl
Wed Dec 02, 2020 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Things to consider/ask when buying a condo
Replies: 28
Views: 4941

Re: Things to consider/ask when buying a condo

We are about to relocate from Europe back to the U.S., and are considering buying a condo in Akron, Ohio. Thanks, ddouble u, for all your helpful and specific suggestions (4th post at top of this thread) to another Boglehead back in 2014. Question for anyone reading: is the vital financial informati...
by jefmafnl
Sun Nov 22, 2020 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance: late claim possible?
Replies: 3
Views: 667

Life insurance: late claim possible?

My mother has dementia, and my brother is going through her papers. He discovered 2 life insurance policies on my father, who died in 2002. One of them was National Service Life Insurance, and we don't know whether she notified them at the time so as to receive the payment. If she did not, would it ...
by jefmafnl
Fri Nov 06, 2020 2:57 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Medigap insurance
Replies: 4
Views: 685

Re: Purchasing Medigap insurance

Thanks, Duckie. I will start there.

J
by jefmafnl
Thu Nov 05, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Medigap insurance
Replies: 4
Views: 685

Re: Purchasing Medigap insurance

Thanks.

To find "Medigap brokers"...any suggestions, other than searching on the Internet?

J
by jefmafnl
Thu Nov 05, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Medigap insurance
Replies: 4
Views: 685

Purchasing Medigap insurance

My wife and I (U.S. citizens) are planning to relocate back to the U.S. after more than 26 years in Europe. But with the current challenges posed by the pandemic, we have postponed our move, originally planned for this month. We have passed the age of 65, but we were covered under a health insurance...
by jefmafnl
Thu Oct 01, 2020 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Buying a condo online
Replies: 14
Views: 1407

Re: Buying a condo online

Thanks to all who replied!

mgensler, if I may ask, which part of Florida is that?

J
by jefmafnl
Wed Sep 30, 2020 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Looking for housing in or near Venice, Florida
Replies: 5
Views: 597

Looking for housing in or near Venice, Florida

I recently retired (my wife took early retirement several years ago), and we are planning to move back to the U.S. soon, after 26 years of living in Europe. We are interested in buying a condominium. My wife's closest friend and her husband just bought a condo in Venice, Florida, and we would like t...
by jefmafnl
Wed Sep 30, 2020 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Buying a condo online
Replies: 14
Views: 1407

Buying a condo online

I recently retired (my wife took early retirement several years ago), and we are planning to move back to the U.S. soon, after 26 years of living in Europe. We are interested in buying a condominium, either in Ohio or in Florida. I read parts of Dan S. Barnabic's "The Condo Bible for Americans,...
by jefmafnl
Wed Sep 16, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Pay cash for condominium?
Replies: 4
Views: 855

Re: Pay cash for condominium?

Thanks.

But selling only bonds would give us an asset allocation in our "retirement accounts" that is much heavier in equities than what we have now.
Shouldn't we sell both stocks and bonds so as to keep our current allocation?

J
by jefmafnl
Tue Sep 15, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Pay cash for condominium?
Replies: 4
Views: 855

Pay cash for condominium?

I recently retired; my wife retired earlier. We are planning to move from Europe, where we have lived for 26 years, to Akron, Ohio within the next 6 months, buying a condominium there. The market there is very tight, so one must be pre-approved for a mortgage, and it’s not easy to get approved for a...
by jefmafnl
Sun Sep 06, 2020 6:14 am
Forum: Personal Finance (Not Investing)
Topic: U.S. mortgage based on foreign income
Replies: 7
Views: 505

Re: U.S. mortgage based on foreign income

Thanks for the replies. the researcher, We have maintained a checking account and a credit card (from a different bank) in the U.S. We checked with the 3 big credit rating agencies a few months ago and all of them had records and ratings for us. ResearchMed, We could, if necessary, transfer more tha...
by jefmafnl
Sat Sep 05, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: U.S. mortgage based on foreign income
Replies: 7
Views: 505

Re: U.S. mortgage based on foreign income

Thanks for responding.

We have been filing US tax returns, but most of the foreign income on those returns was salary. The substantial pension payments are just starting now.

J
by jefmafnl
Fri Sep 04, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: U.S. mortgage based on foreign income
Replies: 7
Views: 505

U.S. mortgage based on foreign income

I recently retired, and my wife and I would like to relocate back to the U.S. after 26 years in Europe. Aside from regular withdrawals from investments, most of our regular income is from European pensions and European social security, denominated in Euros. We are working with a major U.S. realtor. ...
by jefmafnl
Thu Aug 27, 2020 3:33 am
Forum: Personal Finance (Not Investing)
Topic: How to find furnished apt. for short-term rental
Replies: 11
Views: 721

How to find furnished apt. for short-term rental

After 26 years living in Europe, I am retiring, and we will be moving back to the U.S. in the next few months. (Income taxes here are very high.) We would like to buy a condo in Akron, Ohio, and are working with a real estate agent whom we trust, who works for a major company. However, at the moment...
by jefmafnl
Tue Aug 25, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: Buying one ETF and selling another
Replies: 8
Views: 447

Re: Buying one ETF and selling another

Thanks to all who replied. Not asking about the order...just about whether we need to have funds for the purchase in the settlement account ahead of time.

J
by jefmafnl
Tue Aug 25, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: Buying one ETF and selling another
Replies: 8
Views: 447

Re: Buying one ETF and selling another

Thanks to all who replied. Not asking about the order...just about whether we need to have funds for the purchase in the settlement account ahead of time.

J
by jefmafnl
Tue Aug 25, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: Buying one ETF and selling another
Replies: 8
Views: 447

Buying one ETF and selling another

With our Vanguard Brokerage account: If we want to buy a non-Vanguard ETF for $2000 and on the same day sell a non-Vanguard ETF for $6000, do we need to have $2000 in our settlement account before placing the orders? Or do the proceeds from the sale cover the purchase?

Thanks!

J
by jefmafnl
Tue Aug 18, 2020 10:26 am
Forum: Investing - Theory, News & General
Topic: Which lots of mutual funds to sell?
Replies: 2
Views: 213

Which lots of mutual funds to sell?

We have harvested capital losses this year (less than $3K). As I am retiring in a few days, we need to start selling some funds from our taxable account each month to help pay for expenses. Also, this year reducing the capital loss saves us the amount of our tax bracket (22%), and we would have to p...
by jefmafnl
Mon Jun 22, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Covid-19 Liability Waiver Agreement
Replies: 15
Views: 1414

Covid-19 Liability Waiver Agreement

My Mom (95) lives in the dementia section of a residential living facility. One of the companies that supplies private caregivers is asking her (my brother and me, as POA) to sign a Covid-19 Liability Waiver Agreement, wherein Client to assume all risks other than gross negligence by the Agency, not...