Search found 3466 matches

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: 1345

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: 4516

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: 1588

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: 161
Views: 12723

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: 161
Views: 12723

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: 161
Views: 12723

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: 161
Views: 12723

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: 379

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: 1744

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: 1369

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: 1369

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: 1369

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: 1369

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: 1369

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: 849

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: 849

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: 2506

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: 713

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: 2506

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: 2506

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: 3373

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: 1654

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: 653

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: 653

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: 1744

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: 6397

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: 370

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: 1705

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: 1705

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: 1949

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: 1949

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: 739

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 ...
by HueyLD
Sat May 16, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 12445

Re: How much does social security factor into your retirement income?

I should clarify my very brief remark of "none." I did not consider any SS benefit in my future retirement income bucket because I had no idea how many years I would work or the strength of the PAYGO system when I eventually become eligible for SS benefit. As a result, I saved and invested...
by HueyLD
Fri May 15, 2015 5:25 pm
Forum: Personal Consumer Issues
Topic: A/C Service Deals
Replies: 11
Views: 923

Re: A/C Service Deals

It depends on where you live.

If your area requires you to run A/C 24x7 for the summer months, annual maintenance is a good idea. However, if you only need A/C a few hours in the summer, no. As a compromise, you may want to have it maintained every other year.
by HueyLD
Fri May 15, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: anyone else getting multiple revised tax forms from vanguard?
Replies: 19
Views: 880

Re: anyone else getting multiple revised tax forms from vanguard?

zadie wrote:I've received 8 or 9 sets of revised tax forms from vanguard. Just got another one today. Anyone else having this issue?

What types of exotic investments do you hold in your VBS account?
by HueyLD
Fri May 15, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 2958

Re: Letter from IRS (I think they are wrong)

Crow's posts show that he knows the rules. It appears that IRS liked him so much that they decided to give him some bonus. :) Now, I am curious to know if Crow filed his tax return by mail or by efiling. If he mailed in his return, the tax data had to be keyed into the IRS software and that could be...
by HueyLD
Sat May 09, 2015 3:38 pm
Forum: Forum Issues and Administration
Topic: Am I the only one not getting notifications?
Replies: 11
Views: 2034

Re: Am I the only one not getting notifications?

retiredjg wrote:Haven't gotten any notifications since about 4 a.m. Anybody else having a problem or is it just me?

What notification??
by HueyLD
Sat May 09, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Somebody hit our parked car today!!
Replies: 21
Views: 3719

Re: Somebody hit our parked car today!!

Yes, you should contact your own insurance company. Since bumper repairs are expensive and may take a while due to the need to order specific parts, you will likely file a claim with your own insurance company first. Provide your insurance company with all required documentation (police report, phot...
by HueyLD
Sat May 02, 2015 9:13 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 3037

Re: Forum Functionality From the Index Page

Click on the Quick links and you will find what you are looking for.
by HueyLD
Sat May 02, 2015 8:48 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 3037

Re: Lost ability to change font size

Use your fingers to expand the font size?
by HueyLD
Thu Apr 23, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 8130

Re: Marriage and splitting expenses

+1 to Levett's comment.
by HueyLD
Sun Apr 19, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3749

Re: mandatory 17% tip at a buffet

Pizzasteve510 wrote:I loved my years in Japan where they pay servers wages and do not TIP. Service was always excellent.

+1.
by HueyLD
Sat Apr 18, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: mandatory 17% tip at a buffet
Replies: 32
Views: 3749

Re: mandatory 17% tip at a buffet

LV businesses practice revenue enhancement schemes better than the vast majority of businesses elsewhere. Another extremely annoying practice is to add $30 or more of resort fee per day to the hotel bill. I guess it is time for BHs to camp out on the LV Strip and eat only at McDonalds. They take adv...
by HueyLD
Wed Apr 15, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is state tax refund taxable in this case?
Replies: 4
Views: 631

Re: Is state tax refund taxable in this case?

To the OP, Take a look at the IRS instructions for your situation. http://www.irs.gov/publications/p525/ar02.html#en_US_2014_publink1000229391 Example. You paid 2013 estimated state income tax of $4,000 in four equal payments. You made your fourth payment in January 2014. You had no state income tax...
by HueyLD
Tue Apr 14, 2015 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why would anyone use Ally's 11-month CD?
Replies: 5
Views: 1188

Re: Why would anyone use Ally's 11-month CD?

Because 0.99% is not guaranteed at all, but 0.87% is for the duration of the CD.
by HueyLD
Tue Apr 14, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Preparer Guarantees
Replies: 11
Views: 1235

Re: Tax Preparer Guarantees

What is POMG?
by HueyLD
Mon Apr 13, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 13448

Re: Household Gross Income Poll

Levett wrote:Ron,

I'm gonna double your thumbs up for dodecahedron.

Two thumbs up for her wisdom plus two thumbs up for her humanity.

:thumbsup :thumbsup + :thumbsup :thumbsup

Lev

+1 for dodecahedron. I would like to thank her for taking the time to write such a wonderful and common sense post.

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