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Re: Car Dealership Credit Report

A similar experience - bought a car with cash in 2004 and the salesman said he needed our social security numbers to complete the vehicle registration form. We gave them to him but next day I called our state dept. of transportation and they said the numbers are not required. Wrote to the manager of...
by AAA
Thu Apr 23, 2015 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 28
Views: 1581

Re: Who is covered by your HSA?

1. Correct, a non-dependent's out of pocket expenses are not qualified expenses for their parent's HSA(s). 2. No, this is true regardless whether they remain on the parent's HDHP plan or have their own plan. However, if they remain on their parent's HDHP plan, they are eligible to make the full fam...
by AAA
Sat Apr 18, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Who is covered by your HSA?
Replies: 8
Views: 810

Re: Who is covered by your HSA?

I think the only thing that is not ripe for confusion is that if in this situation, the older spouse has his or her HSA, she can no longer contribute to that HSA when she takes in Medicare, yet the younger spouse can still keep the HDHP-Family Plan and still make HSA contributions in his own HSA. T...
by AAA
Fri Apr 17, 2015 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who is covered by your HSA?
Replies: 8
Views: 810

Who is covered by your HSA?

Let's say you have a high deductible health plan at work, covering you, spouse and kids, and have set up an HSA in your name. Initially, the qualified expenses of all family members, you, spouse and dependents, are eligible for reimbursement by the HSA. I'm trying to understand how things change as ...
by AAA
Fri Apr 17, 2015 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who is covered by your HSA?
Replies: 8
Views: 810

Re: What do you drive, and why?

Volvo S60 for safety.

Also Camry for reliability (and safety - it even has an airbag for your knees).
by AAA
Thu Apr 16, 2015 3:59 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 240
Views: 22818

Re: yea or nay to 5 years CDs

Build out your CD ladder starting with 6 months and build out to 5 years. Don't be afraid to buy CDs from corporations or international banks. Just make sure they are investment grade. You can find much better rates and can spread your money out. What's better to you, getting 5% and taking a $5,000...
by AAA
Thu Apr 16, 2015 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: yea or nay to 5 years CDs
Replies: 21
Views: 2432

Re: yea or nay to 5 years CDs

Ally recently added wording to their CD agreement, saying something like "you can, with our approval, make an early withdrawal from your CD account."

So it's not guaranteed that you can break a CD if you wanted to.
by AAA
Thu Apr 16, 2015 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: yea or nay to 5 years CDs
Replies: 21
Views: 2432

Re: Should I purchase an Umbrella policy?

DTSC wrote:No offense, but you don't have $1m in assets, so why do you need so much coverage?


Why would a settlement necessarily be limited to a person's assets? Couldn't it also involve future earnings?
by AAA
Thu Apr 16, 2015 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 52
Views: 5058

Re: Retiree-Health Insurance question

I was in a similar situation but HR had advised me beforehand to ignore the Cobra mailing.
by AAA
Thu Apr 16, 2015 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiree-Health Insurance question
Replies: 2
Views: 397

Ally Raise Your Rate CD

This product has been discussed before but not recently so I thought I'd get some input about this CD, and maybe some people's actual experience with it. The concern is that the option to raise your rate is based on Ally's rate for this product, not some more general "interest rate" target...
by AAA
Sun Apr 12, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ally Raise Your Rate CD
Replies: 2
Views: 828

Re: FDIC coverage

Maybe the wording in the article I read was not correct. I found this somewhere else: Payable-on-Death (POD) Accounts - The owner of a POD account is insured up to $250,000 for each beneficiary if all of the following requirements are met... This contradicts the other article by saying that the owne...
by AAA
Fri Apr 10, 2015 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: FDIC coverage
Replies: 3
Views: 311

Re: FDIC coverage

A joint account is not a trust account. From the FDIC website: A revocable trust account is a deposit account owned by one or more people that identifies one or more beneficiaries who will receive the deposits upon the death of the owner(s). A revocable trust can be revoked, terminated or changed a...
by AAA
Fri Apr 10, 2015 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: FDIC coverage
Replies: 3
Views: 311

FDIC coverage

Some banks we deal with allow naming of beneficiaries, others don't. For the ones that do, I'm a bit confused about the FDIC coverage. These are considered revocable trusts according to the FDIC, and I read this somewhere: Trust accounts are treated differently. Only the interests of the beneficiari...
by AAA
Fri Apr 10, 2015 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: FDIC coverage
Replies: 3
Views: 311

Re: Am I part of the problem??

I think that unless a person works for a non-profit that saves the whales or distributes food to the homeless etc., then there will always be moral/ethical compromises involved. But it doesn't sound like you are putting people out on the street. I remember pointing out to someone that their broker w...
by AAA
Thu Apr 09, 2015 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8720

Re: What Movie Have You Recently Watched?

I recently watched Interstellar. While it held my interest for its almost 3 hour length, maybe because I kept expecting more, for me it fell short of all the hype, with some reviewers declaring it to be a masterpiece. Putting aside any questions about the science content, there were so many plot hol...
by AAA
Mon Apr 06, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 771
Views: 103314

Early Withdrawal from CD's

Having some cash to put into a CD, I started to think - why not do a 5-year and if interest rates go up significantly I could swallow the early withdrawal fee and move the funds to a higher rate CD? So I found the Bogleheads Wiki on Comparing CD's and it included the link to a simple When To Break A...
by AAA
Fri Apr 03, 2015 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Early Withdrawal from CD's
Replies: 2
Views: 460

Re: Verizon overcharge - can I do anything more?

Call Verizon back and ask to speak with Retention. That department seems to have more flexibility dealing with these issues than the first line reps.

And please let us know what happened.
by AAA
Sun Mar 29, 2015 6:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Verizon overcharge - can I do anything more?
Replies: 3
Views: 751

Re: Ad Valorem tax on new car

Sidney wrote:[OT comment removed by admin LadyGeek]


[Response to OT comment removed by admin LadyGeek]
by AAA
Thu Mar 26, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ad Valorem tax on new car
Replies: 8
Views: 909

Re: Citibank credit card Which credit agency to unfreeze ?

A couple of years ago, I co-signed a lease for my daughter and the rental agent (who was a great source of misinformation) told me which credit bureau they use. I unfroze that one but ended up having to do all three as the rental company actually checked all of them. But aren't there other credit bu...
by AAA
Thu Mar 26, 2015 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Citibank credit card Which credit agency to unfreeze ?
Replies: 11
Views: 1301

Re: Account internet security

Check your Vanguard account daily to make sure there are no unexpected transactions or alterations to your personal information. This is ridiculous. Well, maybe unnecessary. Vanguard sends me emails to alert me that a transaction confirmation is available. Maybe this is an option that I set up once.
by AAA
Sun Mar 22, 2015 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1577

Re: A great shave at a great price

I recently tried my hand at shaving the old fashioned way with a safety razor, badger brush, and shave soap, however after giving numerous blades a try, I discovered that my neck is just too sensitive to get an acceptable shave with a double-edge blade. I absolutely did benefit from the brush and s...
by AAA
Fri Mar 20, 2015 7:50 pm
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 6720

Re: Will you buy an Apple Watch?

Apple is built on the vision of Steve Jobs, probably the top CEO in the history of the world, and his vision changed the world as we know it. It looks like the Steve Jobs "reality distortion field" is still in existence. Glad to see Google agrees. I searched Google for "top CEO in th...
by AAA
Thu Mar 19, 2015 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 355
Views: 22151

Re: Will you buy an Apple Watch?

sambb wrote:Apple is built on the vision of Steve Jobs, probably the top CEO in the history of the world, and his vision changed the world as we know it.


It looks like the Steve Jobs "reality distortion field" is still in existence.
by AAA
Thu Mar 19, 2015 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 355
Views: 22151

Re: Medicare Card and Medicare Advantage

I'm not sure what you intended to edit, but I have a Medigap plan and am asked for the Medicare card and the Medigap card. I have never been asked for my Social Security card in my entire life when getting medical care. Makes sense as Medigap works together with Medicare, so they would want to see ...
by AAA
Tue Mar 17, 2015 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 811

Re: Laptop: Windows based vs. Apple

Stonebr wrote:With the Windows machine I used to use at work, I could drink a mug of coffee in the time it took to boot up in the morning.


If you work for a company, is that perhaps due to all the software your employer puts on the machine?
by AAA
Mon Mar 16, 2015 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6312

Re: Philosophical question about fund cost basis

StevieG72 wrote:Glass half full or half empty?

What came first the chicken or the egg?


Now that sounds like a philosophical question. :happy
by AAA
Mon Mar 16, 2015 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Philosophical question about fund cost basis
Replies: 11
Views: 674

Re: Will you buy an Apple Watch?

I think the six pages of this thread is a testament to Apple's marketing prowess and the buzz they create. If someone asked "Will you buy an XYZ watch?" I doubt there'd be such a response.
by AAA
Sun Mar 15, 2015 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 355
Views: 22151

Re: Philosophical question about fund cost basis

I think you need to be more specific as to what you want to measure...There is no philosophy here but rather just the standard definition of gain for financial purposes and the particular definitions of capital gain for assessing income taxes. Thanks for the detailed explanation but, knowing this, ...
by AAA
Sun Mar 15, 2015 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: Philosophical question about fund cost basis
Replies: 11
Views: 674

Philosophical question about fund cost basis

Say I make a one-time purchase of $1000 in a mutual fund, choosing to reinvest all distributions, and after some time it grows in value to $1100. At that point it makes a distribution of $100, after which I of course still have $1100 in the fund. Then, after some further time, it drops down in value...
by AAA
Sun Mar 15, 2015 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Philosophical question about fund cost basis
Replies: 11
Views: 674

Re: Will you buy an Apple Watch?

...it's the idea that this (smart watches in general) is some revolutionary product. I'm really trying to understand what the buzz is about. I have only Apple stuff at home, but have lately grown tired of their exaggerated rhetoric proclaiming each new device or each iteration of an existing device...
by AAA
Fri Mar 13, 2015 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 355
Views: 22151

Re: Will you buy an Apple Watch?

No Apple watch for me. Of course, I don't even have a smartphone (but I do have an iPod Touch).

What's next, the Apple Ring for your finger?
by AAA
Thu Mar 12, 2015 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 355
Views: 22151

Re: Bond fund or CD Ladder

VG shorter term CDs are not very good. I would buy the 3 and 5 year Cds and put the rest in the short term bond fund. That is true. The highest one-year CD yields 0.6%, whereas Bankrate.com shows 1.2% for the highest nationally available. That's another option to keep some in the bond fund. Thanks.
by AAA
Wed Mar 11, 2015 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 2035

Re: Bond fund or CD Ladder

The other is more complicated. "The yield will increase" is in fact misleading; the apples to apples comparison is between the current yield of the ladder and the current SEC yield of the fund. As you roll into 5 year CDs, the fund will actually keep up with either higher returns than SEC...
by AAA
Wed Mar 11, 2015 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 2035

Bond fund or CD Ladder

After several good CD's matured over the past couple of years in my Roth IRA, I find myself fully invested there in the Vanguard Short-Term Investment Grade fund (VFSTX). It's current yield is 1.6% and its average duration is 2.5 years. For various reasons, I am very conservative with this IRA. It s...
by AAA
Wed Mar 11, 2015 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 2035

Re: Recommend a custodian for individual HSA account

I guess I'm spoiled with Vanguard and keep hoping that a Vanguard of HSA accounts will appear on the scene. I think I'm going to have a long wait. I happened to find this on Vanguard's web site: https://personal.vanguard.com/us/whatweoffer/overview/healthsavings "Vanguard does not offer its ow...
by AAA
Sat Mar 07, 2015 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 25
Views: 1842

Re: VBTLX behavior during higher interest rates

^Since rising rates are likely to occur in the next few years, VBTLX would seem to be a risky/bad bet compared to CDs, etc.for those of us faced with mandatory IRA withdrawals from the fund starting in the next five years. Obviously, I'm missng something. I think. People have been saying for the la...
by AAA
Fri Mar 06, 2015 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBTLX behavior during higher interest rates
Replies: 13
Views: 1107

Re: Turbotax 2014: Buyer Beware

... I wrote four letters to the CEO over the past month asking for help, or at least confirming this situation. No response. I appealed to customer service. Nothing. Approached the FTC. Nothing. Wrote to Senators. Nothing. Wrote to journalists. Several blog posts. No one really seems to care about ...
by AAA
Thu Mar 05, 2015 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 74
Views: 8421

Re: Turbotax 2014: Buyer Beware

In addition to forcing people to upgrade to their Premier version in order to manage investments, it's important to know that you will not be able to save your data in encrypted form without Intuit credentials, essentially sharing your password with Intuit. With all of the discussion here about pri...
by AAA
Wed Mar 04, 2015 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 74
Views: 8421

Re: Retiree Poll: Satisfaction with retirement

As today is my first day of retirement, I don't have an opinion yet. :happy
by AAA
Mon Mar 02, 2015 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 4165

Re: Turbotax 2014: Buyer Beware

Interesting how everyone is blaming TT but no one is mentioning the struggles software developers deal with when developing for Apple (closed standards, etc.) which is likely the root of the issue. Fine, but does anyone know of another company at this time that is having the same issue? Apparently ...
by AAA
Mon Mar 02, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 74
Views: 8421

Re: Turbotax 2014: Buyer Beware

I just finished doing my taxes on TurboTax Home Business 2014 for Mac, without any issues. I just saved to PDF without issue using the File menu >> Save to PDF... as well as the File menu >> Print... All forms and worksheets >> Save as PDF, without any problems. I never was asked to log in to Intui...
by AAA
Mon Mar 02, 2015 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 74
Views: 8421

Re: Turbotax 2014: Buyer Beware

I suspect that since they are using the same security they have for online applications, that your printing will have the same security as online applications. You are just deliberately choosing to not understand that. You are maybe just deliberately choosing not to acknowledge the now commonplace ...
by AAA
Sun Mar 01, 2015 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 74
Views: 8421

Re: Turbotax 2014: Buyer Beware

This thread against Turbotax is at the rant level with a lot of baseless claims. I think there are two issues here. One is that Intuit is doing something devious by forcing you to send them your return just to print it. Okay, let's dismiss that one. If online filing is safe, then your printing is s...
by AAA
Sun Mar 01, 2015 5:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 74
Views: 8421

Re: Turbotax 2014: Buyer Beware

Bob Meighan, VP of TurboTax, has emphatically stated that no information is stored when you use their print service with your Mac to print forms or save as PDF. I guess even if nothing is intentionally stored, there's always the possibility of hacking or some kind of bug in the system by which your ...
by AAA
Sat Feb 28, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 74
Views: 8421

Re: Social Security Taxation

Yes, it was just the taxation I was asking about. Thanks for the replies.
by AAA
Sat Feb 28, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxation
Replies: 4
Views: 676

Social Security Taxation

If you retire mid-year and start social security, is the taxation on your benefits determined by the total income amounts for that calendar year, or just the amounts earned after you started receiving benefits (which could be a bit of a pain to figure out)?
by AAA
Sat Feb 28, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxation
Replies: 4
Views: 676

Re: Turbotax 2014: Buyer Beware

The Intuit VP has told me that there will not be a fix for Mac printing this year.
by AAA
Sat Feb 28, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 74
Views: 8421

Re: Turbotax 2014: Buyer Beware

Hey you know what? That's off in paranoia land. Sorry, won't go there. Here is what WSJ says -- "the Mac product requires a special, third-party code library to support offline printing.” And she (someone from Intuit) says, “based on Apple App Store guidelines, we could no longer distribute th...
by AAA
Sat Feb 28, 2015 5:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 74
Views: 8421

Re: Switching tax preparation software

Okay, thanks for that information. I guess that makes sense.
by AAA
Sat Feb 28, 2015 5:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Switching tax preparation software
Replies: 3
Views: 299

Switching tax preparation software

I started working on my taxes using TurboTax but for reasons discussed in another current thread re. printing on a Mac I think I want to switch to the H&R Block program. When it says it can import information from a TurboTax file, does that mean it will import all of the entries I have already m...
by AAA
Sat Feb 28, 2015 4:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Switching tax preparation software
Replies: 3
Views: 299
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