Search found 12 matches

by Opalmanta
Wed Jun 10, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Giving
Replies: 28
Views: 1473

Re: Charitable Giving

Schwab Charitable is very easy to use, has a minimum donation of $50.
by Opalmanta
Wed May 20, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 71
Views: 4755

Re: Turning 65, Medicaire questions

I think one thing you need to plan for is the IRMAA surcharges in premiums for Part B and D. Those surcharges may make it well worth your while to stay on your wife's workplace plan for some time. Had we understood the IRMAA charges better, we certainly would have made some portfolio changes both in...
by Opalmanta
Mon May 18, 2020 3:57 pm
Forum: Personal Investments
Topic: Calculating Share cost when shares have a sales load
Replies: 1
Views: 136

Calculating Share cost when shares have a sales load

Hello, Before I discovered Vanguard and index funds, I first invested with Fidelity. I've held shares of Fidelity Blue Chip Growth since 1988. Back in those days, Fido had a sales load when purchasing shares. The sales load was dropped at some point, but I'm not sure when. From about 1988 through 19...
by Opalmanta
Mon May 18, 2020 3:27 pm
Forum: Personal Investments
Topic: Simplest way to gift shares at Vanguard
Replies: 22
Views: 1198

Re: Simplest way to gift shares at Vanguard

We gifted shares of a Vanguard fund (using spec id) to our niece last year and did have to fill out the form. Our gift of shares was more complex because fund shares we were gifting were of a closed fund (to new investors) and this was a new account for her. Eventually it all came out ok, but it too...
by Opalmanta
Mon May 11, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Picking a bank for an estate account
Replies: 8
Views: 430

Re: Picking a bank for an estate account

When my father died, I opened the estate account at a national bank that I had accounts in for years. I only lived 45 minutes away from my Dad's home, but once I changed the address for all mail to come to my house, I wanted the convenience. Yes, this meant for some of the CDs he held at his local b...
by Opalmanta
Wed May 06, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Cross Country Drive-Best route? Safest way to do it?
Replies: 40
Views: 3827

Re: Cross Country Drive-Best route? Safest way to do it?

Second the notion of detailed planning about 2 weeks before esp with respect to nightly stops and hotel accommodations. Even if you are very used to heavy truck traffic and crazy drivers, I would not plan to hit the Gary, Indiana section of I90 at evening rush hour or later when you are most likely ...
by Opalmanta
Sun Feb 23, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6727

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

At retirement, we moved to the Midwest to be closer to family, and I'm glad we did it. However, I do miss NJ for all the good things: the shore, the Appalachian trail, proximity to Manhattan and New England. That being said, if I were to move back to NJ, it would not be to one of the highest price c...
by Opalmanta
Mon Feb 17, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Visiting NYC with a family - logistics?
Replies: 29
Views: 2034

Re: Visiting NYC with a family - logistics?

I would recommend flying into EWR/Newark, NJ over JFK, but staying in Manhattan. It is easy to get from Newark airport to NY PennStation via their train link. You can come back to Newark airport to rent the car and head to PA via I78 or the NJ turnpike, and easily return to Newark airport for your t...
by Opalmanta
Sat Nov 02, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does Kiddie tax apply to grandchildren gifts?
Replies: 7
Views: 1028

Does Kiddie tax apply to grandchildren gifts?

Hello, I am gifting shares of appreciated mutual funds to our nephew who is now 24 to help pay off some of his student loans, and his income this year will qualify him for the 0% LTCG tax rate. We have a grandson who is 20, lives with his parents in PA. They claim him as a dependent on their return,...
by Opalmanta
Thu Oct 31, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: cousin inherited older house - how to get solid overview of all repairs needed?
Replies: 21
Views: 2042

Re: cousin inherited older house - how to get solid overview of all repairs needed?

Real estate agents in the area will know who are good home inspectors to (1) get a quick sale by rubber-stamping, or (2) possibly gum up a sale by finding something. You need the latter, and that person will be happy to tell your cousin what's wrong with the thing. Just ask a real estate agent in t...
by Opalmanta
Fri Oct 18, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: American Express Gift Cheques
Replies: 3
Views: 712

Re: American Express Gift Cheques

Thank you. Amex was really no help, but another bank (USAA) agreed to deposit the checks.
by Opalmanta
Tue Oct 15, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: American Express Gift Cheques
Replies: 3
Views: 712

American Express Gift Cheques

Hello! Hoping the combined knowledge of this forum can help. DH recently found American Express gift cheques that he had received as a present about 20 years ago. We tried to cash them at our small branch of Chase and they really didn't know what to do with them and suggested we call amex. I called ...