2gifts’ Activity

Today

NL

Boards Post

2gifts replied to the Ask A Foolish Question board. 2 hours ago

Re: Spreading the wealth

Anyways...I have brokerage and my dividends always have a small 'fee' listed on my statements when they are reinvested....is this just standard procedure via the company...or is this my brokerage charging the fee?

This depends on the [more]

Yesterday

NL

Boards Post

2gifts replied to the Estate Planning and the Fool board. 6:28 PM

Re: Time to redo the will

Did a will/living will/trust when the kiddies were 11. They turn 19 in January, legal adults in this state, so we can eliminate all of that who-gets-the-kids stuff. Lawyer said that the living will stuff is longer now because of(thanks a lot, [more]

NL

Boards Post

2gifts replied to the Diabetic Fools board. 9:51 AM

Re: pre-diabetic - what changes can I make?

The A1C number is 5.7, and they say that <5.7% is consistent with the absence of diabetes, 5.7-6.4% is consistent with the risk for diabetes (pre-diabetes), and >6.5 is consistent with diabetes.

So I am at the very edge of the [more]

NL

Boards Post

2gifts posted to the Diabetic Fools board. 8:52 AM

pre-diabetic - what changes can I make?

I just had my physical, and my doctor has diagnosed me as pre-diabetic as I am at the low end boundary of the pre-diabetic range per the bloodwork. All the other numbers are good. I do have a family history of pre-diabetics as I remember my [more]

Fri Aug 28

NL

Boards Post

2gifts replied to the RAD's Living Room board. 11:03 AM

Re: Here

. I didn't know where to put the physical copies and for the moment, they are with the attorney.

We prefer to leave the originals at the attorney. He has a secure place for the paperwork, and I am fine with just having physical [more]

Tue Aug 25

NL

Boards Post

2gifts replied to the Ask A Foolish Question board. 3:15 PM

Re: Duplicate car sales taxes

Here are the rules around transferring a registration from another state to MA. http://www.massrmv.com/rmv/regs/reg4.htm

Hopefully, you will find the answer to your question [more]

Sun Aug 23

NL

Boards Post

2gifts replied to the Retire Well on Less board. 6:48 PM

Re: The cost of nursing homes

Hubby's life insurance policy will not be affordable after he reaches the age of 70 so maybe we will just look into LTC insurance.

I know you are retired, so I admit that I am surprised that you still have life insurance on either one [more]

Thu Aug 20

NL

Boards Post

2gifts replied to the Retire Well on Less board. 6:36 PM

Re: The cost of nursing homes

I see two major issues with LTC policies:
1.) Premium increases
Premiums increase based on the class and not the individual. Still there are going to premium increases, and the amount is unpredictable.


Agreed that premium [more]

NL

Boards Post

2gifts replied to the Retire Well on Less board. 9:05 AM

Re: The cost of nursing homes

I just checked and it cost 346 dollars a day in 2014 for a nursing home in Massachusetts. That is close to $11,000 a month. I don't know anyone who could afford that.
Has anyone done any research on this subject?


I just happened [more]

Wed Aug 19

NL

Boards Post

2gifts replied to the RAD's Living Room board. 12:07 PM

Re: My, my, my

told them that her dad lives on my street and her parents are divorced so she still has a parent living here and paying taxes.

In MA, it doesn't matter if there is a parent living there and paying taxes. The child's place of [more]

Thu Aug 13

NL

Boards Post

2gifts replied to the Taking Care of Parents board. 12:50 PM

Re: Update

They will require a DNR

I don't understand this. How can anyone require a DNR? That is the choice of the person, and is not something that anyone else can force to be executed. I'd be pushing back pretty hard on [more]

Fri Aug 7

NL

Boards Post

2gifts replied to the Mastering Quicken board. 1:01 PM

Re: help with investment club distribution

Don't knock the Average Cost method - this might be a time you could choose it. That is the default method used by Vanguard for mutual funds. It has a lot of bookkeeping advantages. Not a trivial issue if your investment club works like the ones I [more]

Thu Aug 6

NL

Boards Post

2gifts replied to the Mastering Quicken board. 3:18 PM

Re: help with investment club distribution


If I were doing this, I would create a new account in my Quicken File and "Add Shares" for those from the club. Quicken will do this, but have no basis. So you can set the basis for each holding. Life would be easier on your end if
[more]

NL

Boards Post

2gifts posted to the Mastering Quicken board. 8:12 AM

help with investment club distribution

I have been in an investment club for the past 30 years or so, and we are about to dissolve it. All the shares will be split among the members, and so there will be no taxable event until those shares are sold.

I have the investment club set [more]

Thu Jul 30

NL

Boards Post

2gifts replied to the RAD's Living Room board. 3:30 PM

Re: Here


However, will etc has been updated and will be signed the next time I am in Denver. How about y'all ? Especially those with minor children ?


They're not minors anymore, and because of that, we are changing the estate plan so [more]

Tue Jul 28

NL

Boards Post

2gifts replied to the Living Below Your Means board. 9:32 PM

Re: Just a whine....(long)


Does utility company not bear any liability for destroying your appliances and your much-more-valuable peace of mind?


Yes, the utility company should definitely be paying to replace all of those things, and so the OP should call [more]

Tue Jul 14

NL

Boards Post

2gifts replied to the Credit Cards and Consumer Debt board. 2:14 PM

Re: doing some thinking

I work from home and I have one roommate. We split the $3600 rent 3 ways--I pay 1/3 myself and 1/3 as the business, and she pays the remaining 1/3. $1200 rent is reasonable for this area. It's a new lease, and it's in a walkable area. There are [more]

Mon Jul 13

NL

Boards Post

2gifts replied to the Credit Cards and Consumer Debt board. 11:25 AM

Re: detailed budget


OWNER CONTRIBUTIONS
It's not a monthly expense, I could have removed it I guess. I ran payroll and then redeposited the money into the business--effectively paying tax on money I had previously withdrawn.


I'm confused on the [more]

Thu Jul 9

NL

Boards Post

2gifts replied to the Inheritance Strategies board. 8:44 AM

Re: Beneficiary for bank account

If I am listed as a single beneficiary for a bank account, can I direct the bank to remove my name?

No. Since you do not own the account, you have no control over it and cannot make any changes to it.


Can I instruct
[more]

Wed Jul 8

NL

Boards Post

2gifts replied to the Ask A Foolish Question board. 9:01 AM

Re: spousal Social security, how does it work

Borrow "Get What's Yours" from the library or pick it up on Amazon. It's a great book about Social Security, and would help answer all of your questions. I just finished it last week, and highly recommend it. Here's a pointer [more]

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Boards Stats & Trivia

Big gold star, 5000 posts Old School Fool
Board Posts 13491
Recs Received 29642
People who have rec'd these posts 2458
Recs to Posts Ratio (last 30 days) 0.80
Threads Started 563
Threads Started Percentage 4.17 %
Most Frequent Board Living Below Your Means
Very First Post Re: Education IRA?? (6/17/1998)
Percentage of Posts Rec'd 51.21 %
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