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High Finance
Sep. 14th, 2010 07:53 amSo, over the past few years, DH got a couple of stock option packages and a couple of outright stock grants as bonuses and so forth. With his death, the timeline on all that shifted - we (everything is in his name so it is weird to talk about, pronoun-wise) immediately vested 100%, apparently, and the options will expire next May .
I've been slowly closing accounts and generally trying to get everything into my name and, let me tell you, it's a huge hassle. Everyone needs their own paperwork and different assortments of official documents and everything has to go through the mail because everyone has to have originals of everything, so huge swaths of time are lost to just waiting for everything to get where it needs to go.
Meanwhile, my savings are almost gone, I don't know if I will be able to make any of my payments due in October. My Social Security benefit, if I can ever manage to actually apply for that, will buy me some groceries, but that's about it. I have to wonder how they came up with that number for the lump sum, it's so specific yet I can't imagine what it might correspond to.
So, I realized yesterday that the login info for the stock account is all still good. Motorola stock is up a couple of bucks from the exercise price. It's starting to seem like cashing all that out and having the funds wired to the joint account would be the simplest way to resolve the question of my right to the account (I've had no dealings with the bank that holds that account, other than getting statements, I have no idea what kind of rigmarole would be involved in getting the assets in my name but I'm fairly sure it would be significant just because it generally is) AND give me some breathing room to figure out what to do next.
And yet, it would be awfully nice to have a chunk of stock sitting there quietly appreciating. Just because. And Prudential could totally surprise me by paying my life insurance claim with alacrity
The DMV's talk of probate has convinced to wait a while before trying to do anything with the 401k, I think. It ought to be fine where it is.
ION, the coffee concentrate with cream added seems to have frozen more solidly than the straight concentrate. Surprising. The extra large ice cube trays are working out nicely so far. Unfortunately, frozen concentrate + boiling water = tepid coffee, but that's pretty easily remedied.
Edited at 8:49 am: Prudential just called me to let me know that the death certificate I mailed last week got there. I kind of love them right now.
Edited again at 9:20: Social Security was very easy once I got past being on hold. In fact, shortly after the recorded voice told me my wait was 10 minutes, it came back to tell me that I could punch in my phone number and get called back rather than sitting on hold the whole time. I wish I'd known that the first time I called. As it turns out, I could take care of the whole thing over the phone and don't have to go into the office at all. Nice.
I've been slowly closing accounts and generally trying to get everything into my name and, let me tell you, it's a huge hassle. Everyone needs their own paperwork and different assortments of official documents and everything has to go through the mail because everyone has to have originals of everything, so huge swaths of time are lost to just waiting for everything to get where it needs to go.
Meanwhile, my savings are almost gone, I don't know if I will be able to make any of my payments due in October. My Social Security benefit, if I can ever manage to actually apply for that, will buy me some groceries, but that's about it. I have to wonder how they came up with that number for the lump sum, it's so specific yet I can't imagine what it might correspond to.
So, I realized yesterday that the login info for the stock account is all still good. Motorola stock is up a couple of bucks from the exercise price. It's starting to seem like cashing all that out and having the funds wired to the joint account would be the simplest way to resolve the question of my right to the account (I've had no dealings with the bank that holds that account, other than getting statements, I have no idea what kind of rigmarole would be involved in getting the assets in my name but I'm fairly sure it would be significant just because it generally is) AND give me some breathing room to figure out what to do next.
And yet, it would be awfully nice to have a chunk of stock sitting there quietly appreciating. Just because. And Prudential could totally surprise me by paying my life insurance claim with alacrity
The DMV's talk of probate has convinced to wait a while before trying to do anything with the 401k, I think. It ought to be fine where it is.
ION, the coffee concentrate with cream added seems to have frozen more solidly than the straight concentrate. Surprising. The extra large ice cube trays are working out nicely so far. Unfortunately, frozen concentrate + boiling water = tepid coffee, but that's pretty easily remedied.
Edited at 8:49 am: Prudential just called me to let me know that the death certificate I mailed last week got there. I kind of love them right now.
Edited again at 9:20: Social Security was very easy once I got past being on hold. In fact, shortly after the recorded voice told me my wait was 10 minutes, it came back to tell me that I could punch in my phone number and get called back rather than sitting on hold the whole time. I wish I'd known that the first time I called. As it turns out, I could take care of the whole thing over the phone and don't have to go into the office at all. Nice.
