Search found 3482 matches

by HueyLD
Wed Jul 29, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 35
Views: 2187

Re: Hefty Medical Bill

OP,

Try your best to negotiate with the health care providers. You will have multiple bills from various providers.

If necessary, engage a lawyer and bankruptcy filing could be one of the options.

Best wishes to you and your family.
by HueyLD
Tue Jul 28, 2015 4:35 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance question
Replies: 9
Views: 627

Re: Car insurance question

I have UNINSURED MOTORISTS Bodily Injury at 25k each person 50k each accident. I also have a 1 million dollar umbrella. If someone riding with me was hurt above 25k would my umbrella kick in? Generally speaking........ If the uninsured motorist is at fault, only your uninsured motorists insurance w...
by HueyLD
Sat Jul 25, 2015 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down to $1M - am I thinking about this correctly?
Replies: 15
Views: 1716

Re: Paying mortgage down to $1M - am I thinking about this correctly?

For high income taxpayers, you may be subject to both the PEP and Pease provisions and your itemized deductions will be reduced accordingly.
by HueyLD
Sat Jul 25, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Home Window Replacement - Recommendations (Southwest)?
Replies: 13
Views: 817

Re: Home Window Replacement - Recommendations (Southwest)?

I thought vinyl windows could easily melt in the high heat/intense sunshine environment.
by HueyLD
Wed Jul 22, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3682

Re: How to pay taxes on blog income?

Here are the official guidelines from the IRS re: business vs. hobby http://www.irs.gov/Help-&-Resources/Tools-&-FAQs/FAQs-for-Individuals/Frequently-Asked-Tax-Questions-&-Answers/Small-Business,-Self-Employed,-Other-Business/Income-&-Expenses/Income-&-Expenses "Question: Ho...
by HueyLD
Tue Jul 21, 2015 2:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4856

Re: livesoft surpasses 40,000 posts!

Sometimes I wondered if Livesoft was a real human being. Oh wait, he may be a robot or an employee of Wells Fargo. :)
by HueyLD
Fri Jul 17, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare and out of state student
Replies: 3
Views: 343

Re: Obamacare and out of state student

As long as you do not qualify for the PTC, you can have as many insurance policies as you want. However, your child's enrollment in a qualified health insurance thru a student health plan which is considered a minimum essential coverage (MEC) will preclude you from including her in the calculation o...
by HueyLD
Fri Jul 17, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: File-and-suspend application
Replies: 10
Views: 545

Re: File-and-suspend application

Highly recommend this article by Kitces. It is written in plain language and provides good advice on the "proper" language to use. https://www.kitces.com/blog/why-individuals-should-file-and-suspend-their-social-security-benefits-reinstatement-of-voluntary-suspension-versus-retroactive-ben...
by HueyLD
Fri Jul 17, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Medicare Rx at Costco
Replies: 8
Views: 662

Re: Medicare Rx at Costco

Yes, it is true.

No coupons are allowed for any federally sponsored insurance programs, including Medicare, Medicaid, Tricare, Federal Employee Insurances, etc.
by HueyLD
Thu Jul 16, 2015 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: when should my fiancee share in ownership of home?
Replies: 8
Views: 1155

Re: when should my fiancee share in ownership of home?

http://www.nolo.com/legal-encyclopedia/free-books/living-together-book/chapter10-7.html If the two of you didn’t sign a joint house ownership agreement that sets forth your intentions in case of dissolution, you have two choices. You can either follow the legal procedures that apply in your state—ty...
by HueyLD
Fri Jul 10, 2015 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Pulling equity out of home to invest?
Replies: 71
Views: 4923

Re: Pulling equity out of home to invest?

What do the experts have to say about the idea of pulling equity out of your home to invest (in perhaps stocks / bonds, real estates)? Yeah it carries risk, but good or bad idea? Sure, if you live in a non-recourse state, you can simply walk away from your home and leave the bank and the taxpayers ...
by HueyLD
Thu Jul 09, 2015 9:21 am
Forum: Investing - Theory, News & General
Topic: What Brokers Let You Sort Individual Bonds by YTW?
Replies: 2
Views: 218

Re: What Brokers Let You Sort Individual Bonds by YTW?

Fidelity allows you sort by almost anything and YTW is of course one of them.
by HueyLD
Fri Jul 03, 2015 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed ACH limits
Replies: 8
Views: 1450

Re: Penfed ACH limits

PenFed does allow ACH transfers out of a share savings account and the daily limit for ACH transfer out is $5k except for new accounts.

As I said previously, if one initiates an ACH from another bank, one can pull a much larger amount up to the daily limit set by that bank.
by HueyLD
Fri Jul 03, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Penfed ACH limits
Replies: 8
Views: 1450

Re: Penfed ACH limits

According to PenFed (https://www.penfed.org/transfer-via-ach/), the maximum you are allowed to transfer to a deposit account is $5,000 per day. Sometimes, a new account opened within the last 30 days may have a different limit. Alternatively, you can pull a larger balance out of PenFed from another ...
by HueyLD
Sat Jun 27, 2015 10:24 am
Forum: Forum Issues and Administration
Topic: Can we put up to vote if forum members want to see topics that are financial but related to politics
Replies: 22
Views: 2108

Re: Can we put up to vote if forum members want to see topics that are financial but related to politics

Keep in mind that all moderators are volunteers and some of them have full time jobs. We should not increase their workload whenever possible.

There are plenty of other forums that allow political discussions. There is no need to upset at least half of the members with any political posting.
by HueyLD
Sat Jun 27, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4742

Re: Homemaker denied credit card despite high household income

If the OP really wants his wife to get the credit card, he should just apply under his name with wife as the joint owner of the credit. Problem solved!!
by HueyLD
Wed Jun 24, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: New CapOne 360 savings offer
Replies: 9
Views: 1674

Re: New CapOne 360 savings offer

Browser wrote:Anyone know if they pull a credit report when you open an account? I have my credit frozen.

You will need to call capital one 360 and ask them which credit bureau they use. I am almost certain that they will pull a credit report on new account opening.
by HueyLD
Tue Jun 23, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16868

Re: OPM breach and credit freeze

OK, slowly taking some action here after Anthem and OPM (for wife) hacks. I am preparing to freeze credit for both of us. I plan to buy additional term life insurance in the next couple of months. Does anyone know if I will have to unfreeze to qualify? Last time I signed up for term life insurance,...
by HueyLD
Sun Jun 21, 2015 5:28 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16868

Re: OPM breach and credit freeze

Steve.s said: "One of the credit bureaus (Equifax IIRC) does not do anything online. They say it's for your protection. So, I also sent three certified letters, with the requested copies of proof of identity and payment. They need to move into the 21st century." That's not my experience. I...
by HueyLD
Sun Jun 21, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16868

Re: OPM breach and credit freeze

The fees to freeze, unfreeze and refreeze are very state specific. One needs to google such fees for one's specific state. I randomly checked two states and the fees are very different.
by HueyLD
Sat Jun 20, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16868

Re: OPM breach and credit freeze

Per the IRS:

"Alert:
The online Get Transcript service is currently unavailable. You may still order transcripts using the Get Transcript by Mail service. We apologize for any inconvenience."
by HueyLD
Mon Jun 15, 2015 7:31 am
Forum: Personal Consumer Issues
Topic: Help! How to transfer email and contacts? (Mac)
Replies: 3
Views: 392

Re: Help! How to transfer email and contacts? (Mac)

It is possible that the OP lives in an area without an Apple Store.
by HueyLD
Thu Jun 11, 2015 11:56 pm
Forum: Forum Issues and Administration
Topic: Smileys across the forum page
Replies: 6
Views: 2329

Re: Smileys across the forum page

I had to actually power off the iPad to get rid of the smileys and funny looking lines. The problems reappeared a week later and were fixed again by turning off the iPad. Other than the BH site, I had no problems viewing other websites. In addition, I did a parallel testing on my windows based noteb...
by HueyLD
Tue Jun 09, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Question - Family Plan
Replies: 31
Views: 1447

Re: HSA Contribution Question - Family Plan

JDot,

Again, each HSA account is an INDIVIDUAL account and being covered under one's husband's family plan doesn't make the wife an owner or an eligible individual.

Got to run.
by HueyLD
Tue Jun 09, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Question - Family Plan
Replies: 31
Views: 1447

Re: HSA Contribution Question - Family Plan

But is the OP's spouse an eligible individual? If she is covered by a HDHP thru her work and otherwise qualify, then yes. But if she is covered only thru her spouse's plan, no. To OP's question, if his wife is an eligible individual and he has family HDHP coverage, they can split the contribution in...
by HueyLD
Tue Jun 09, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Question - Family Plan
Replies: 31
Views: 1447

Re: HSA Contribution Question - Family Plan

HSA's are similar to IRA's in one aspect: Each account is owned by an individual only. There are no joint accounts allowed. However, an individually owned HSA account can be a family plan and thus allowed a higher contribution amount. In this aspect, it is similar to a health insurance policy owned ...
by HueyLD
Tue Jun 09, 2015 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Question - Family Plan
Replies: 31
Views: 1447

Re: HSA Contribution Question - Family Plan

Example. For 2014, Mr. Auburn and his wife are both eligible individuals. They each have family coverage un- der separate HDHPs . Mr. Auburn is 58 years old and Mrs. Auburn is 53. Mr. and Mrs. Auburn can split the family contribution limit ($6,550) equally or they can agree on a different division....
by HueyLD
Tue Jun 09, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contribution Question - Family Plan
Replies: 31
Views: 1447

Re: HSA Contribution Question - Family Plan

Example. For 2014, Mr. Auburn and his wife are both eligible individuals. They each have family coverage un- der separate HDHPs. Mr. Auburn is 58 years old and Mrs. Auburn is 53. Mr. and Mrs. Auburn can split the family contribution limit ($6,550) equally or they can agree on a different division. ...
by HueyLD
Tue Jun 09, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Provider asking for Social
Replies: 12
Views: 881

Re: Health Insurance Provider asking for Social

Q5: What if I refuse to provide this information to my health insurance company? A5: The information received by the Internal Revenue Service will be used to verify information on your individual income tax return. If the information you provide on your tax return cannot be verified, you may receiv...
by HueyLD
Tue Jun 09, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Provider asking for Social
Replies: 12
Views: 881

Re: Health Insurance Provider asking for Social

Yes, insurance providers are required to send form 1095-B to the IRS beginning year 2015. Here is what form 1095-B looks like http://www.irs.gov/pub/irs-pdf/f1095b.pdf
by HueyLD
Sun Jun 07, 2015 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2686

Re: Secondary CDs

I think you found the right answer. You didn't miss anything.
by HueyLD
Sat Jun 06, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance record keeping
Replies: 8
Views: 757

Re: Health insurance record keeping

I also have folders to keep up with insurance EOBs and bills. I am not on Medicare, but I have primary and secondary insurances that need to be tracked on the same medical expenses. I organize my EOBs by physician specialty, e.g. family practice, dermatology, ophthalmology, dental, etc.. Within each...
by HueyLD
Sat Jun 06, 2015 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2686

Re: Secondary CDs

I would like the OP to tell us where the YTM info is on his screen. And yes, you can use Excel to calculate the YTM, but why not just get it from the source?
by HueyLD
Sat Jun 06, 2015 5:49 am
Forum: Investing - Help with Personal Investments
Topic: Secondary CDs
Replies: 20
Views: 2686

Re: Secondary CDs

So, the coupon rate is 2.1%, what is the yield to maturity?

The YTM is the most important information but it is not shown on your screen shot.
by HueyLD
Tue Jun 02, 2015 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: ACA and retiring before 65
Replies: 28
Views: 3473

Re: ACA and retiring before 65

Patricia +100!!

Thank you for posting your actual experience.
by HueyLD
Sat May 30, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Trying to Login to Vanguard?
Replies: 22
Views: 1682

Re: Anyone Trying to Login to Vanguard?

I also had trouble logging in earlier this morning. I switched to FireFox and logged in without problems. Since the website was clearly up, I went back to IE and failed again. So, I decided to not use the old bookmark. Instead, I started at vanguard.com and was able to log in that way. I think our f...
by HueyLD
Wed May 27, 2015 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with international wire transfer
Replies: 16
Views: 674

Re: Problem with international wire transfer

One possibility: The bank in Singapore used an intermediary bank to wire the money to the Citibank in the U.S. and that's where the $27 went. Yeah thats what both banks are telling me. They are pointing to each other having an intermediary. But how come neither can tell me who the intermediary is? ...
by HueyLD
Wed May 27, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with international wire transfer
Replies: 16
Views: 674

Re: Problem with international wire transfer

One possibility: The bank in Singapore used an intermediary bank to wire the money to the Citibank in the U.S. and that's where the $27 went.
by HueyLD
Wed May 27, 2015 1:26 pm
Forum: Forum Issues and Administration
Topic: Smileys across the forum page
Replies: 6
Views: 2329

Smileys across the forum page

Am I the only one seeing smileys across this forum page index.php ?

I am using an iPad.
by HueyLD
Wed May 27, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 70
Views: 6700

Re: Should I shorten my last name?

A friend of mine is originally from Europe and had a last name which was both difficult to pronounce and to spell. He decided to take his wife's last name and became a Davis. Happy wife, happy life!!
by HueyLD
Tue May 26, 2015 10:57 am
Forum: Personal Finance (Not Investing)
Topic: CDs between Bank Accounts
Replies: 4
Views: 384

Re: CDs between Bank Accounts

I don't think you can get any one month CD that pays anything but near zero. How about opening an Ally online savings account currently paying 0.99% and you can schedule transfers to another bank account up to one year in advance? http://www.ally.com/bank/online-savings-account/?INTCMPID=HP_NAV_SVG
by HueyLD
Mon May 25, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1770

Re: Just bought new car, should I buy extended warranty?

The vehicle was purchased more than five years ago. And the manufacturer warranty periods vary for different covered items. I don't have the original warranty in front of me, but I know that the coverage periods vary by item. Why did I buy a vehicle of unknown reliability? It was rated by an automob...
by HueyLD
Mon May 25, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Just bought new car, should I buy extended warranty?
Replies: 29
Views: 1770

Re: Just bought new car, should I buy extended warranty?

I have a different opinion regarding an extended warranty on Hyundai vehicles. First of all, I do not believe in buying extended warranties on anything. However, I decided to buy an extended warranty a few years ago when I bought a Hyundai vehicle for the first time in my life. Before that, I owned ...
by HueyLD
Fri May 22, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: city selling 'mini-bonds' at attractive rates
Replies: 25
Views: 2006

Re: city selling 'mini-bonds' at attractive rates

For bonds that only pay interest at maturity, the IRS usually requires you to report the accrued interest every year as income even though interest is not yet paid. It is similar to inflation adjustment reporting on TIPS. However, muni income is federal tax exempt and thus no phantom income problems...
by HueyLD
Fri May 22, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: city selling 'mini-bonds' at attractive rates
Replies: 25
Views: 2006

Re: city selling 'mini-bonds' at attractive rates

If I could buy such bonds, I would only buy a reasonable amount because: (1) No liquidity or secondary market. (2) Even though those bonds are not technically zero coupon bonds, they have the characteristics of zero coupon bonds in that investors receive no interest payments until maturity. A few ca...
by HueyLD
Tue May 19, 2015 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question for muni investors
Replies: 6
Views: 759

Re: Question for muni investors

Also, I see a lot of love lately for CDs. Those look pretty poor for 39.6%/10.3% tax equivalent yields in munis, though I realize these are different investments. What's driving the CD fans? In general, munis are better for those at marginal tax rates of over 25%. Taxable bonds, including CDs, are ...

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