u/woodstock9999

Is right of survivorship the default when opening a BOA checking or savings account? We opened our accounts years ago. How would I find this out or check this on our accounts? Thanks.'

EDIT TO ADD per BOA:

JOINT ACCOUNTS Joint accounts are owned by more than one person.

Most joint accounts are established with right of survivorship, which means that any surviving owner becomes the owner of the account after one owner passes away. The title of the account will be updated to reflect the names of the surviving owner(s) once we have the certified copy of the death certificate, updated signature card and, if required, state-specific documents.

Joint accounts without survivorship: In cases where the joint account does not include survivorship, such as tenants in common or without survivorship, the surviving owner, updated signature card and the estate of the deceased would share the funds. For certain products, additional information and documentation may be required.

We have a fixed schedule as we can only water on specific days (Sunday and Thursday) so are the soil moisture level 's meaningful to us? Watered yesterday but 7 zones range form 0%-68%. Assume this number changes daily and we are forecast for some heavy rains next few days. If no rain was forecast, are we supposed to increase run time on the next scheduled day in the zones that are 0 or low %'s? Thanks.

Will or is Fidelity considering creating a new index fund that will exclude these new IPO's like SpceX, etc with the rule change for clients who are not interested in taking on this risk? What are our alternatives if we are simple DIY investors? Thanks.

MorningAll! I have been using Pavisse in the AM since February and just finished the bottle and Plated in the PM on and off for about 2 years and just finisheed another bottle I bought in February as well.

I am in my early 70's and while blessed with good genes, I have noticed some changes in the past few years that I have been working to address with quarterly facials and some other new recent products below as I was kind of too low maintenance and would just slather on a serum in the AM and LaMer at miss.

I am generally pleased with results below but not sure if too many products, not enough, not the right ones, etc and I do miss the el of a good serum that is good for combo skin and won't clog pores. I do not do any invasive treatments but want to do what I can to keep the wrinkles and lines at bay and maintain a healthy glowing skin.

I am trying to understand how many products one needs in the AM and PM and in what order and where Plated and Pavisse fit before I restock. I have combo skin and have spent a lot of $ on products the past 6 months on these, teh Alaston, SkinBetter and IS.

In the AM, I use Alastin gentle gel cleamser, SkinCeuticals Micro-Exfoliating Scrub, CE FerulicAlastin, Alastin HA Immense Serum and a light Caudalie moisturizer followed by Pavisse and an occasioinal eye cream.

In the PM, use Alastin gentle gel cleamser, Plated, SkinBetter Science - Intensive AlphaRet Overnight Cream - a few times a week, Alastin HA Immense Serum and a light Caudalie moisturizer. 2x a week I use iS Clinical - Active Peel but away from any nights I use the AlpaRet. Clarins eye cream a few nights a week.

Thanks.

I protested our taxes online. They sent a ridiculously low settlement offer - way off what I requested and more aligned with last years comps not what they have fallen to this year.

I submitted repair estimates and comps of homes sold in my area the past year.

If I do not accept the offer and go for a hearing, would they still honor the settlement amount or could I potentially lose that?

I protested last year and was not sent an offer online but did a telephone hearing and got a better offer than what they are offering now. I see a hearing date in my account but can't tell if it is in person or telephone. Thanks.

We used to have Chubb for home/auto/umbrella. Premiums got crazy so we switched to Amica. Year 1 was ok but renewal was ridiculous and I did not like not having any local presence if there was ever a need. We switched to Safeco via indy broker in 2022. 2023-+2024-2025 renewals were crazy- 25%, 34% 28% - and each year we were told Safeco was the best option as Chubb declined us. Pure required minimum home value and Travelers would be less coverage. Premiums have double in 5 years. We are in TX and home is insured $700k. We have various endorsement.

Our renewal this year is 3% so pleased with that but still curious why there are no alternatives for us with like coverages. Again told Chubb declined - is this because we had a claim 10 years ago? - Pure min $2m home, Cincinnati min $1m home and were quoted Foremost who I never heard of but to save $ would need to increase deductible to 2%. Safeco is still 1%.

Are we missing quotes from any carriers? Thanks.

Looking for an experienced broker (not BB) who knows the ins and outs of various carrier UW in the hopes of being able to move from AARP UHC Plan N (without wellness) to an HD-G. I think my spouse will not have an issue but I may.

From my research and looking at sample UW applications, I believe BCBS TX does not ask medical questions about a condition I have.

We have enough H S A funds to cover worst case HD-G years and the way UHC premiums are rising and co-pays, I am pretty sure we will come out ahead with HD-G. My only concern is how onerous it may become later in life tracking and paying the providers. Thanks.