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bengal22

Saul Bellow - More Die of Heartbreak John Updike - Rabbit series Isaac Singer - Gimpel the Fool and other Stories. Saul Bellow and John Updike would be on my top 5 list. Plus Philip Roth, Ernest Hemingway, and William Faulkner. But best novel would be Great Gatsby. Of course that could change next ...

bengal22

jabberwockOG wrote: ↑Sat Jul 11, 2020 6:57 am Saul Bellow - More Die of Heartbreak
John Updike - Rabbit series
Isaac Singer - Gimpel the Fool and other Stories.

Saul Bellow and John Updike would be on my top 5 list. Plus Philip Roth, Ernest Hemingway, and William Faulkner. But best novel would be Great Gatsby.

bengal22

You definitely get to keep stimulus check for your husband. My mom died in January and I received her check in the mail. It had her name and deceased and had my name %.. So they updated her info based on thev2020 return that I filed in March.

bengal22

My recollection is that in the distant past (maybe it was pre-Yodlee?) it was possible to declare the type of an outside investment, and that was taken into account in Portfolio Watch. Now with a third of my investments categorized as "other", I can't get any useful information from the t...

bengal22

Finally my Fidelity holdings are correctly categorized. Before portfolio watch would just count them as "other" which made the tool meaningless. So it's an improvement. It's a good tool for rebalancing.

bengal22

31 years old with over 5 million in serious assets!. Only 1 reason to be asking us if you are OK.

You are OK.

bengal22

Yes I am on the old platform. Never had a personal representative. Maybe this is just to push me to new platform. I will probably just take the approach of ignoring Email. I am slowly transitionIng taxable account funds to fidelity so I will only have my Roth with vanguard.

bengal22

So I got an email from an individual who said he was a vanguard personal representative. He said he has a few account specific items he wants to discuss. The email looks official. I have been a Vanguard customer for 35 years and have never been contacted to assist me in meeting my financial goals. I...

bengal22

Nicolas wrote: ↑Thu Mar 25, 2021 11:11 am The Yardbirds Essentials on Apple Music

The birth of led zeppelin

bengal22

Horologium wrote: ↑Sun Jan 17, 2021 10:14 pm
bearcub wrote: ↑Wed Dec 23, 2020 6:17 am
Nicolas wrote: ↑Thu Dec 17, 2020 3:19 pm Dear Mr. Fantasy — Traffic
One of the best bands ever. Listening to John Barleycorn Must Die.
Great album. Have not listened to it for a number of years. I will have to rectify that.

I always liked "low sparks of high heeled boys."

bengal22

I talked to a vanguard rep about a year ago and it is true that you cannot designate beneficiaries for a joint non taxable account. This is another reason why I chuckle when someone mentions that the Vanguard ownership structure is what sets them apart from the rest.

bengal22

I would assume that just because they changed life expectancy number after a year with a rare incident that suddenly the life expectancy for those that are in their sixties has changed. Or maybe I don't understand your question.

bengal22

We are doing the "drop off" method and started e filing on Feb 12th.

bengal22

I have a one pager that lists assets and point of contact. It's my death book.

bengal22

Been on a health kick so I eat a bowl of cinnamon toast cereal most mornings. Sometimes when we're out of ice cream I have a bowl at snack time.

bengal22

Hi All My financial advisor, in the end of the year review last December, mentioned I should consider setting up a Donor Advised Fund for charitable giving. The fund costs about $100/yr to run (it's a percentage of assets but in my case it'll revert to the minimum $100/yr) but other than the mainte...

bengal22

Do you have a will? If yes can you make one specific to him? It could be real simple. Then get someone to witness it.

They have POA online that are free. Just insert names and woila.

All of this is free.

bengal22

She would need to claim anything she makes from selling cookies as income for tax purposes. Even if she were to wander around parking lots looking for loose change or misplaced dollar bills, she would still need to include anything she found on her taxes. The easiest way to cheat Uncle Sam and his ...

bengal22

1. In Ohio, for the filing cost of about $250 you can take 10 minutes and fill out about 4 forms, give the probate court a legal will, and you can have the executor named. This gives you legal access to frozen accounts. Then if assets are below Ohio requirements, the whole thing can be wrapped up. ...

bengal22

1. In Ohio, for the filing cost of about $250 you can take 10 minutes and fill out about 4 forms, give the probate court a legal will, and you can have the executor named. This gives you legal access to frozen accounts. Then if assets are below Ohio requirements, the whole thing can be wrapped up. 2...

bengal22

Slightly different question about portfolio watch - if you enter outside stocks or mutual funds does portfolio include those in the analysis and if included, are the breakdowns accurate? I asked Fidelity about their portfolio analysis and they don't think it includes outside investments if you list...

bengal22

If you took std deduction year before state refund has no impact.

bengal22

My fidelity holdings show up as "other" in portfolio making the tool worthless.

bengal22

Depends upon your assets. I got a mortgage after I retired with no issues. Was that based upon regular pension type income/social security/etc., or was it based upon asset depletion figures? Was it a bank, credit union, or...? RM Not sure. I did have a pension but mortgage was a low percentage of a...

bengal22

Depends upon your assets. I got a mortgage after I retired with no issues.

bengal22

arcticpineapplecorp. wrote: ↑Fri Jan 29, 2021 10:03 am

Now, what's ERP?

Everyone Realizes Profitability

bengal22

Enterprise Resource Planning??? Sounds star trek ish to me.

bengal22

life2.0 wrote: ↑Thu Jan 28, 2021 7:09 am Freezer

Double zip-lock bag... in the freezer - executor knows it's in there.

Not 100% fire proof, but it's a simple will.

I tried that but all of my assets were frozen.

bengal22

Surveys are a marketing tool to give the illusion that a compamy truly cares about customer service and procuring feedback. You all didn't really think that surveys are acted upon did ya? Have you ever held a position in sales? I can assure you customer surveys can increase or decrease your bonuses...

bengal22

My self prepared will is in a metal box in my closet. I suspect with my self prepared estate plan that it won't be needed.

bengal22

Surveys are a marketing tool to give the illusion that a compamy truly cares about customer service and procuring feedback. You all didn't really think that surveys are acted upon did ya?

bengal22

I found my taxable account very beneficial in my "tweener" years - between retirement and collecting SSA. I have used this account to supplement my pension. I used this account to pay for kids college. I used this account to pay taxes for my Roth conversions. I believe it is good policy to...

bengal22

Watching "Pretend it's a City" a netflix 7 part series directed by Martin Scorsese. Funny and a great look at N Y C.

bengal22

3) Move to a state with no estate tax. Again, duh! Obvious and not helpful. PLEASE kindly limit the quote to the precise sentence relevant to your response. There is nothing more annoying than seeing a response that quotes a long thread chain, only to provide a one sentence response. Oops. Move to ...

bengal22

MA has a punitive estate tax that kicks in on any estate over $1MM. If the deceased has an estate valued at $5MM, the MA estate tax is about $400K. That's a hefty levy against someone who paid taxes to the state his/her whole life. I am looking for advice from those who have seriously considered th...

bengal22

I would make sure husband and siblings are listed as beneficiaries on any financial accounts. I would either sell or cotitle with your husband for car. I would set up house TOD to husband. If your husband gets along with siblings it makes thing easier to divide the things that fall through the crac...

bengal22

Hi everyone, Hoping I can get pointed in the right direction. Elderly woman receiving SSI ($750) needs approx $2,000/ month to live with no income Her bills are a $1200/mortgage and basic necessities. She does not have any assets other than her home. She cannot work as she has bad knees and limited...

bengal22

ARK funds are my rainy day bucket.

bengal22

DW and I currently binging on "The Mandalorian". Finished binging on "Jessica Jones" last week. The series came on marginally well done at the beginning but plot fragmented as time went on. Nowhere near as good as "Alias", "Strike Back", "Homeland",...

bengal22

I got a mortgage when retired and had no issues. If you have sufficient assets and good history you are OK.

bengal22

but I think many Bogleheads come from a place of pro ledge. And it is showing here in this thread. Confused by this? Typo? What is pro ledge? I assume it means those people that like to live on the edge financially. They are always one misstep from financial ruin. They are for living on the ledge.

bengal22

3756.01

bengal22

Thanks for the warning, bengal2. I currently have Federal Money Market Fund in my brokerage account with checkwriting enabled. I should watch the day when/if this account gets "upgraded" to Admiral with checkwriting gone. By the way, you can check which funds have checkwriting enabled bef...

bengal22

I believe Vanguard notified you of these changes. I had the same situation as I have been using the Prime MM fund for writing QCD checks on my IRA. However, since I knew about the change, I opened a Federal MM fund and requested checks for that fund. So, it seems that you have a problem of your own...

bengal22

Can someone please explain. I already donated several thousand $$ back in the summer to my local food bank. I upped my amount to add the previous stimulus check. I paid via my IRA funds so they are not taxed. I expect I am now going to get some more stimulus money I do not need. So how do I donate ...

bengal22

I would make sure husband and siblings are listed as beneficiaries on any financial accounts. I would either sell or cotitle with your husband for car. I would set up house TOD to husband. If your husband gets along with siblings it makes thing easier to divide the things that fall through the crack...

bengal22

I also plan to donate my stimulus money. In fact, I "pre-donated" $300 this week to take advantage of the CARES tax deduction. Many people are having a hard time this year. Those of us with economic security should step up. I should hope that the majority of BH folks will pass along whate...

bengal22

Spent 3 hours on the phone with vanguard and other institutions. I have been a loyal Vanguard customer since mid-80's. I had a non taxable account with prime portfolio for all but 6 months of that time. I used prime to accept distributions and to write checks. This summer vanguard closed prime and ...

bengal22

Thank you for posting this. I want to make sure that I have this right. Vanguard currently shows 4 taxable money market funds: Cash Reserves Federal Money Market (VMMXX), Cash Reserves Federal Money Market Admiral Shares (VMRXX), Federal Money Market (VMFXX), and Treasury Money Market (VUSXX). VMFX...

bengal22

I spend $80/hour twice a month to speak with a life coach. She seems to keep me on the rails and if I go too long without talking with her I tend to stray from my good habits. Does anyone else have similar expenditures that they feel add to the quality of their life???? I feel guilty like this is a...

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