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Re: Retirement account limits

If your employer gave you a W-2 that was erroneous in some other way and refused to correct it, you wouldn't blindly follow it (and expect the IRS to side with you), would you? Well, I figured that the IRS might use the status of that box in some cross-checking to determine the eligibility of a ded...
by AAA
Thu Jan 29, 2015 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement account limits
Replies: 8
Views: 756

Re: Retirement account limits

Your spouse can contribute to Traditional or Roth IRA even without compensation as long as you file joint tax return. That's another $5500/yr. There are some complications to this. From the Charles Schwab web site: A Traditional IRA contribution is fully deductible if your income is under a certain...
by AAA
Thu Jan 29, 2015 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement account limits
Replies: 8
Views: 756

Re: Best Online Savings bank

Why does a bank do a credit check when you're giving money to them? Just had my credit reports frozen. That's a good question. I had a CD account at Ally and wanted to move the money to their savings account when it matured. Even though I already was their customer, they considered the savings acco...
by AAA
Wed Jan 28, 2015 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 50
Views: 7405

Re: Advice on Brokerage CDs?

I frequently bought CD's through Vanguard Brokerage and found the rates comparable to what was available on the outside, but for the last few years the rates there haven't been as good so I haven't used it much. Instead, I transferred money to a couple of bank savings accounts paying almost 1%. On t...
by AAA
Sat Jan 24, 2015 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Brokerage CDs?
Replies: 25
Views: 981

Re: How much umbrella insurance do I need?

It's usually not prohibitive in cost to up the insurance limit. So I say do whatever you feel comfortable doing.

Re. having enough to cover your assets - couldn't someone be sued for more than their assets? Maybe in practice it's not done often, but it's possible, no?
by AAA
Sat Jan 24, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance do I need?
Replies: 19
Views: 2115

Re: What counts as "saving"?

My opinion is that investing would be stocks, bonds, etc., in any type of account, whereas saving would be CD's, money market accounts, bank saving accounts, etc., in any type of account. The differentiation has to do with the amount of risk.
by AAA
Mon Jan 19, 2015 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6763

Re: A quick poll--pension annuity vs. lump sum

We're not given a choice. I think I might prefer a lump sum, provided someone more knowledgable than me indicated that it was a good number.
by AAA
Fri Jan 16, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3677

Re: Total World Stock Index Fund

Yes, thanks. I didn't look carefully enough and it seemed they were all close around Dec 08 but you're right, when the fund actually started 2 of the 3 other curves are significantly higher.
by AAA
Fri Jan 16, 2015 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Total World Stock Index Fund
Replies: 3
Views: 914

Total World Stock Index Fund

Please help me understand the following chart: http://i60.tinypic.com/2mwyref.jpg To my understanding, Total World Stock is made up of mostly U.S. stocks and developed market stocks, plus some emerging market stocks. So it would seem that the red plot should be some weighted average of the other thr...
by AAA
Thu Jan 15, 2015 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total World Stock Index Fund
Replies: 3
Views: 914

Re: Already having second thoughts about HSA Bank

HSA accounts are individual. You can add an authorized signer to the account but that does not affect ownership. In the account application you inform HSA BAnk your coverage type. They probably have it as individual. I have been very pleased with them. Please explain - what can a "signer"...
by AAA
Thu Jan 15, 2015 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Already having second thoughts about HSA Bank
Replies: 19
Views: 2257

Re: Already having second thoughts about HSA Bank

My understanding is that there are only individual HSA accounts, no?
by AAA
Wed Jan 14, 2015 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Already having second thoughts about HSA Bank
Replies: 19
Views: 2257

Re: Recommend a custodian for individual HSA account

Does your spouse have her own separate HDHP or is she on your health insurance? Do you have a family plan? There are interactions between separate HSA contributions that just look like a hassle to me, so I would recommend avoiding a 2nd HSA if one could. One might wish to look at IRS Form 8889 befo...
by AAA
Sun Jan 11, 2015 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 6
Views: 506

Recommend a custodian for individual HSA account

I believe that my spouse can set up and contribute to an individual HSA account. By individual, I mean that it is not associated with a particular employer. So I first checked out the custodian for my HSA account that was set up by my employer. I didn't realize until now that in my account the usual...
by AAA
Sun Jan 11, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 6
Views: 506

Why not long-term bond fund for the long haul?

If you were young and picking a bond fund for the fixed income part of your portfolio, why wouldn't you go with a long-term fund? I get that if rates go up such funds would be hardest hit and the consensus here seems to be to go with intermediate duration funds because the extra yield of long-term d...
by AAA
Sun Jan 11, 2015 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not long-term bond fund for the long haul?
Replies: 11
Views: 1374

Re: Mice in the house

Some posts have mentioned the mice stealing the peanut butter out of the traps. One time, I had a problem with mice in my office in an old factory building. Instead of peanut butter, I took a half of a peanut and wedged it in the bait pan on the trap. I caught a number of mice with that same piece ...
by AAA
Sat Jan 10, 2015 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5113

Re: Mice in the house

I think any house near wooded areas will have mice, whether the home owner knows it or not. It's just almost impossible to seal off every little opening, especially around garage doors. Here is my experience this winter: We noticed a mouse when turning on the light in the basement, and heard some no...
by AAA
Sat Jan 10, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5113

Re: Why is it wrong to think individual bonds are safer vs f

Oh, you are very much affected by interest rate risk with individual bonds. Consider these three investors: A holds a 5 year duration bond fund. B holds a 5 year individual bond. C holds cash. Now imagine rates go up 2% in short order for all maturities, what some would call "bondmageddon"...
by AAA
Sat Jan 10, 2015 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is it wrong to think individual bonds are safer vs funds
Replies: 30
Views: 1985

Re: HSA Eligibility Question

Ugh - with further reading, an additional complication seems to be if you, as the Medicare eligible spouse, have an HRA set up by your employer and those funds can be used to reimburse expenses incurred by the < 65 spouse that is still in your family high-deductible health plan. Just looked through...
by AAA
Wed Jan 07, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Eligibility Question
Replies: 10
Views: 1043

Re: HSA Eligibility Question

BTW, did your employer first offer an HDHP with an HSA and then switched to HDHPs with HRAs? Or did they offer both? Just curious? Current employees still have the option of an HDHP with HSA. The HRA is for Medicare eligible retirees. I'm not sure what such retirees had before this as I didn't pay ...
by AAA
Tue Jan 06, 2015 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Eligibility Question
Replies: 10
Views: 1043

Re: HSA Eligibility Question

If you mean HSA rather than HRA(a separate type of account), then I'm not sure I see the added complexity. I did mean HRA (Health Reimbursement Arrangement). My employer stopped providing health coverage for Medicare eligible retirees and instead puts some funds into an HRA that you can use to purc...
by AAA
Tue Jan 06, 2015 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Eligibility Question
Replies: 10
Views: 1043

Re: HSA Eligibility Question

Ugh - with further reading, an additional complication seems to be if you, as the Medicare eligible spouse, have an HRA set up by your employer and those funds can be used to reimburse expenses incurred by the < 65 spouse that is still in your family high-deductible health plan.
by AAA
Tue Jan 06, 2015 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Eligibility Question
Replies: 10
Views: 1043

HSA Eligibility Question

I asked this question a few days ago at the end of another thread and it has not been answered, so I am taking the liberty of starting a new thread. Suppose you will start on Medicare during the year but your family (spouse < 65 years old) will still be covered by your employer's high-deductible hea...
by AAA
Mon Jan 05, 2015 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Eligibility Question
Replies: 10
Views: 1043

Re: Paper Statements

A few years ago the mail delivery to my house became erratic. I would receive my neighbors mail and have to put it in their mailboxes, and I assumed that the same might be happening with my mail wrongly delivered to them. Once I got a letter addressed to someone in a nearby development just because ...
by AAA
Sun Jan 04, 2015 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3397

Re: How hard can it be to do TurboTax again?

virgingorda wrote:ALSO, if I go for it, should I get the Deluxe or Premier TurboTax version?

Thanks!


Take a look at this current thread:http://www.bogleheads.org/forum/viewtopic.php?f=2&t=150901&start=100
by AAA
Sun Jan 04, 2015 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How hard can it be to do TurboTax again?
Replies: 15
Views: 2080

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I don't blame Intuit for a $10 price increase (requiring Premier instead of Deluxe) to get Schedule D. The tax laws have gotten more complicated requiring more costly programming and error checking. (I cannot believe there is a three page thread complaining about a $10 increase.) The difference is ...
by AAA
Sun Jan 04, 2015 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 203
Views: 27962

Re: HSA Account Questions

As a followup to this discussion, suppose you are > 65 and on Medicare. Your employer has set up a HRA (not HSA) for you and contributes an amount each year to help offset the cost of a Medigap or Medicare Advantage plan. Your spouse (< 65) and family continue under the employer's high-deductible he...
by AAA
Sat Jan 03, 2015 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Account Questions
Replies: 13
Views: 2140

Re: take pension with survivor benefits or not

If we guessed wrong and I die before H does, I believe his pension goes up to 100% and we "lost" the 10% during my lifetime -- we can call that insurance premiums of a sort. Yours may work differently than mine, but my HR people told me that if the spouse dies before the pensioner, the pe...
by AAA
Fri Jan 02, 2015 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: take pension with survivor benefits or not
Replies: 40
Views: 2996

Re: Tipping for take out

I do. Usually a few bucks. Someone keeps track of your order, packs it in a bag and carries it out to the front. They depend on tips.
by AAA
Mon Dec 29, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 74
Views: 8541

Re: HSA Account Questions

There is a little known adverse interaction with HSAs, Medicare, and Social Security. If you do not take Medicare at 65 (not collecting SS), when you do start collecting SS, you are retroactively enrolled in Medicare Part A 6 months earlier (or the months since 65 if less). If you were in an HDHP u...
by AAA
Thu Dec 25, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Account Questions
Replies: 13
Views: 2140

Re: HSA Account Questions

So it doesn't make a difference if my family stays on the high-deductible plan or not. The HSA is in my name. I will be transitioning to Medicare when I retire during the year so any lump sum HSA contribution would have to be pro-rated based on the date I start Medicare. Right? I'm thinking now I sh...
by AAA
Thu Dec 25, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Account Questions
Replies: 13
Views: 2140

Re: HSA Account Questions

livesoft wrote:Does that answer your questions? I answered Yes and Yes.


Yes. Thanks. I wish these things wouldn't have to be so complicated.
by AAA
Thu Dec 25, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Account Questions
Replies: 13
Views: 2140

Re: HSA Account Questions

My company's benefits people had confirmed that I could make a full HSA contribution in January and then switch out of our high-deductible plan during the year (to take advantage of the lower deductible). Now it seems that information was not correct, which is good to know. But just to close the loo...
by AAA
Wed Dec 24, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Account Questions
Replies: 13
Views: 2140

Re: First Year With Vanguard (Taxes)

Ditto about using one of the tax preparation programs. Your return is not complicated this year, but some programs lead you through an interview to make it easy. You will then see what's involved. If next year's return is similar, you could do it yourself. Otherwise, using the program next year has ...
by AAA
Wed Dec 24, 2014 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: First Year With Vanguard (Taxes)
Replies: 10
Views: 867

Re: First Year With Vanguard (Taxes)

Vanguard will be sending you forms in Jan. or Feb. that will contain all the information you need to do your taxes. For example, Form 1099-DIV shows all taxable capital gains and dividends from your funds.

I learned a lot at the beginning by talking to seasoned colleagues at work.
by AAA
Tue Dec 23, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Year With Vanguard (Taxes)
Replies: 10
Views: 867

Social Security Question - Start of Benefits

I have a question about something from the Social Security website: Sometimes people who retire in mid-year already have earned more than the annual earnings limit. That is why there is a special rule that applies to earnings for one year, usually the first year of retirement. Under this rule, you c...
by AAA
Mon Dec 22, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Question - Start of Benefits
Replies: 1
Views: 548

Re: Fidelity- Management fees for money market??

protagonist wrote: Is it factored into the yield?


Yes, it is not an explicit charge.
by AAA
Mon Dec 22, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity- Management fees for money market??
Replies: 3
Views: 441

Re: Disappointed with sale items

This issue seems to be widespread today. I recently did some online searching for a new jacket from a well-known retailer. There were a couple that I thought I might like but found reviews along these lines: "I've had this jacket for many years and it was time to get a new one. So I ordered one...
by AAA
Sat Dec 20, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Disappointed with sale items
Replies: 22
Views: 2734

Re: Disappointed with sale items

livesoft wrote:Send it back. Telling us will do almost no good. Why aren't you talking to BB?


Telling us provides useful information for everyone and can initiate an informative conversation.
by AAA
Fri Dec 19, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Disappointed with sale items
Replies: 22
Views: 2734

Re: Upcoming distributions and TLH

Is avoiding buying right before a distribution really something to be concerned about in most cases? Yes, you have to pay tax on the distribution but as it adds to your cost basis don't you pay less tax when you finally sell?
by AAA
Tue Dec 16, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming distributions and TLH
Replies: 17
Views: 1371

Re: Used Volvo S60 T5

dansmail26 wrote:I wouldn't even consider the Honda if you were even thinking of a Volvo, especially a 2012. If it's at a dealer especially, they put all kinds of special warranty's on it!


Yes, if I recall the used car Volvo warranty was very good.
by AAA
Mon Dec 15, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Used Volvo S60 T5
Replies: 10
Views: 911

Re: Used Volvo S60 T5

Interested in hearing replies as I bought a new 2014 Volvo S60 T5 earlier this year. I wasn't really considering it but they had a good deal as it was being updated with a newer model. I had some reservation as Consumer's rated the reliability as average. I don't really know what that means as most ...
by AAA
Sun Dec 14, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Used Volvo S60 T5
Replies: 10
Views: 911

Re: Account Security Question

Would you rather they answer questions about your account over the phone from any random person who calls and claims to be you? A PIN number is at least much more secure than the standard nonsense of giving your address and last 4 of your social or account number which is all some banks ask for to ...
by AAA
Mon Dec 08, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Account Security Question
Replies: 5
Views: 625

Re: Account Security Question

I guess a broader question is how secure is the phone compared to the internet where at least the information is encrypted? Some places ask you to enter your social security number etc. on the phone. How does that compare to entering on a secure web site?
by AAA
Mon Dec 08, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Account Security Question
Replies: 5
Views: 625

Account Security Question

When I call the entity that handles my company's benefits and the broker that handles my company's 401K, I am asked to enter on the phone keypad the alphanumeric password I use to access their websites. I am wondering what the security experts on this forum think of such a practice.

Thanks.
by AAA
Mon Dec 08, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Account Security Question
Replies: 5
Views: 625

Re: Vanguard offers login security code

The terms and conditions Vanguard requires for using this feature include the paragraph below. What does this mean and under what circumstances might it be called into play? You hereby agree to indemnify and hold harmless Vanguard and its affiliates, subsidiaries, directors, officers, employees, age...
by AAA
Sun Dec 07, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18335

Re: Florescent lights

I think a large percentage of the questions asked on these forums could be answered by telling the questioner to google it, but that won't help anyone else who also might be interested in the information nor will it stimulate a possibly useful conversation. Also, googling often leads to a wide diver...
by AAA
Fri Nov 28, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Florescent lights
Replies: 20
Views: 1584

Re: Movie dialog, "The Social Network." Hard to hear?

I have also noticed that it is sometimes hard for me to pick up the dialogue in movies and t.v. shows when there is loud background music or noise present. It can be quite annoying as I simply cannot make out what the actor is saying, despite playing it back several times. Of course, it could be me,...
by AAA
Sat Nov 22, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Movie dialog, "The Social Network." Hard to hear?
Replies: 15
Views: 2698

Re: Apple Stock - Seems great, right?

A few years ago I was reading some financial website story about Apple. The stock was around $14 at the time. They said the company had so much cash that in effect you were buying each share for about $4. It sounded intriguing to me but I had never bought an individual stock and didn't go for it. I ...
by AAA
Sat Nov 22, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11414

Re: Best book on Medicare?

I found Medicare for Dummies 2014 in my library earlier this year and took it out. It was pretty good and very complete to the point that I was able to skip a lot of sections.
by AAA
Sat Nov 22, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Best book on Medicare?
Replies: 3
Views: 489

Re: Apple Stock - Seems great, right?

In order to maintain their market leadership, Apple needs to continue coming out with new products, not just refinements of current products. Part of the genius of Steve Jobs was finding those new markets and products and developing products to fit it. It remains to be seen how well Apple will do t...
by AAA
Fri Nov 21, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 11414
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