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Re: Will not using my dishwasher cause problems?

In my previous residence, I didn't use the DW because I didn't like it for some stupid reason. Well, I decided to run the machine a few years later before selling the house. It did not run at all. So, I had to replace the machine that was never used. To solve the lack of enough dishes issue, I bough...
by HueyLD
Wed Jul 23, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 18
Views: 528

Re: Will not using my dishwasher cause problems?

You need to run your dishwasher NOW!

It may already be broken because dishwashers are built to be used regularly.
by HueyLD
Wed Jul 23, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 18
Views: 528

Re: Problems accessing the site

Send Alex a PM. I had similar problems in the past and Alex fixed it.
by HueyLD
Mon Jul 21, 2014 1:59 pm
 
Forum: Forum Issues and Administration
Topic: Problems accessing the site
Replies: 6
Views: 392

Re: If You Can Free Kindle/NOT Free Paperback Available

"For years I've thought about an eleemosynary project to help today's young people invest for retirement because, frankly, there's still hope for them, unlike for most of their Boomer parents ." Really? Evidence? We do know that boomers, to a great extent, expect to work longer than the t...
by HueyLD
Fri Jul 18, 2014 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: If You Can Free Kindle/NOT Free Paperback Available
Replies: 9
Views: 1735

Re: Taiwan Local Chapter

As a Taiwan Resident, how much US withholding tax (currently 30%) can you claim back for Bond funds? Especially BND (Vanguard Total US Bonds) BNDX (Vanguard International Bonds hedged) And also, what about stocks ETFs? VT (Vanguard Total World) VTI (Vanguard Total US Market) Your U.S. tax liability...
by HueyLD
Fri Jul 11, 2014 12:40 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 46
Views: 4814

Re: Neighbor's Fireworks

I have never lived in an area where shooting fireworks out of one's neighborhood is even legal. Have you checked with your local government? That often doesn''t stop people. Absolutely no one, not a soul in my neighborhood would even dare to shoot fireworks in their yard. There will be many people ...
by HueyLD
Sun Jul 06, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4288

Re: Neighbor's Fireworks

I have never lived in an area where shooting fireworks out of one's neighborhood is even legal. Have you checked with your local government? That often doesn''t stop people. Absolutely no one, not a soul in my neighborhood would even dare to shoot fireworks in their yard. There will be many people ...
by HueyLD
Sat Jul 05, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4288

Re: Neighbor's Fireworks

I have never lived in an area where shooting fireworks out of one's neighborhood is even legal.

Have you checked with your local government?
by HueyLD
Sat Jul 05, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4288

Re: Who do you talk with about your financial goals?

“The bottom half of the top 1% got a 24% tax cut, making system more regressive and taking $2 billion in needed funds out of the budget.” Most of those in the bottom half of the top 1% lack power and global flexibility and are essentially well-compensated workhorses for the top 0.5%, just like the ...
by HueyLD
Sun Jun 29, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9059

Re: where is nisiprius?

I, too, miss Nisi's insightful posts.
by HueyLD
Sat Jun 28, 2014 11:21 am
 
Forum: Local Chapters and Bogleheads Community
Topic: where is nisiprius?
Replies: 26
Views: 3511

Re: beneficiary form

Example: Second marriage for both, both with prior children. Both designate the spouse, but with their own original children as secondary. They die together in a plane crash. The death certificate of the husband is time stamped 5 minutes before the wife's. Whose kids get the money from his IRA? My ...
by HueyLD
Sat Jun 28, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: beneficiary form
Replies: 15
Views: 723

Re: Does Vanguard offer money wire option toward a title com

In order for Vanguard to wire transfer money to an external bank account, you need to first establish bank transfer and wire privilege for the external bank account and the process takes at least ten business days.

So, you need to get started NOW!!
by HueyLD
Wed Jun 25, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard offer money wire option toward a title company
Replies: 17
Views: 906

Re: Retired Bogleheads want to relocate to California

I'm trying to be more flexible about relocating to other states around CA. For instance, I was thinking that moving to one of the western states like Utah or Arizona would at least get us warmer winters or more pleasant summers and still be within driving distance of California and the some of the ...
by HueyLD
Sun Jun 22, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6816

Re: Filing and suspending Social Security for singles

Thank you, sscritic.

In that case, a single person should file and suspend because there is no down side.
by HueyLD
Thu Jun 19, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Filing and suspending Social Security for singles
Replies: 10
Views: 567

Re: Filing and suspending Social Security for singles

Thanks for the link, Duckie.

It appears to be a virtually no downside strategy. However, I could not tell from the article if the 8% annual raise will be preserved if one files and suspends at age 66 but waits until age 70 to actually claim the SS benefit.
by HueyLD
Thu Jun 19, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Filing and suspending Social Security for singles
Replies: 10
Views: 567

Re: [can you] shop at Costco [without a membership?]

http://www.costco.com/Costco-Cash-Card. ... 24438.html

VictoriaF,

You need to be a member to purchase cash cards on Costco.com. Create an online account if necessary.

You can pay for online purchase with all major credit cards such as visa, mc, Amex, discover.
by HueyLD
Tue Jun 17, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4766

Re: Tax questions

archman65 wrote:Where online can I get answers to tax questions?

On bogleheads.org and include "sscritic" in the thread title. :)
by HueyLD
Mon Jun 16, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax questions
Replies: 14
Views: 531

Re: Using investments as collateral for low-interest mortgag

If the market value of your pledged securities declines below required levels, you may be required to pay down your mortgage or pledge additional eligible securities in order to maintain it, or the lender may require the sale of some or all of your pledged securities. You could also lose your home i...
by HueyLD
Mon Jun 09, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using investments as collateral for low-interest mortgage?
Replies: 5
Views: 349

Re: Medicare at 65 Social Security at 70

What if I want to change bank accounts or stop Medicare Easy Pay? Complete another Authorization Agreement for Preauthorized Payments form (SF- 5510), and indicate the type of change you want to make. Mail the completed form to the address above. You can get a new form at http://www.medicare.gov or ...
by HueyLD
Sat Jun 07, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare at 65 Social Security at 70
Replies: 9
Views: 758

Re: capital gains on land sale?

My friend Susan bought a house and 18 acres in 1986 for let's say $125K. She is now contemplating selling 5 acres for about $140k. How does she figure her capital gains (the house is her primary residence.) House and land is assessed at $225k by the town, if that matters. See Sec. 121 link below. H...
by HueyLD
Mon Jun 02, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: capital gains on land sale?
Replies: 5
Views: 406

Re: Declining Balance Exchange

This question was asked six years ago on the forum. See this thread for an answer.

viewtopic.php?p=268398
by HueyLD
Fri May 30, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Declining Balance Exchange
Replies: 4
Views: 352

Re: Paying for a date

I think whoever invites should pay.

Alternatively, the person who insists on going to a restaurant that is too pricy for the date should pick up more of the tab.
by HueyLD
Mon May 19, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 3178

Re: mailed US tax check 4/13 - not cashed yet

Agree with sscritic on phone calls. Give the IRS a call Monday morning using a speaker phone and be prepared to be on hold for a while.
by HueyLD
Sat May 03, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 43
Views: 7299

Re: Are my retirement dreams a mirage?

How much does it cost to do zoo walking?
by HueyLD
Fri May 02, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are my retirement dreams a mirage?
Replies: 39
Views: 4178

Re: Change the name of the "Backdoor Roth" to something else

My question is, does anything think it would be helpful or useful to begin referring to backdoor Roths as something else? E.g. may want to consider funding a Roth through the indirect pathway, formerly known as a Backdoor Roth." Or is the term backdoor Roth already so firmly entrenched that su...
by HueyLD
Tue Apr 29, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Change the name of the "Backdoor Roth" to something else?
Replies: 41
Views: 2214

Re: Does AirTran enforce luggage size?

It's probably cheaper to have suitcases for all occasions than to pay airline fees, but that creates storage problems. Victoria Buy a set that nests. Macy's has had a 4 or 5pc. spinner set for$100. The smallest pc is a toiletry bag. They all fit inside each other so you are only storing the largest...
by HueyLD
Fri Apr 25, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Does AirTran enforce luggage size?
Replies: 30
Views: 3473

Re: May Ibond fixed rate crystal ball

sscritic wrote:
Phineas J. Whoopee wrote:The crystal ball repair shop said they hope to receive the replacement part one week from today.
PJW

Or even sooner than that.

30 days has September,
April, June, yada yada.

Did you mean six days, sir?

Sorry I had to ask because I am numerically challenged.
by HueyLD
Fri Apr 25, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: May Ibond fixed rate crystal ball
Replies: 8
Views: 837

Re: mailed US tax check 4/13 - not cashed yet

Is this typical? The money has yet to come out of my account. My State tax check was paid and taken out. Waiting for federal to hit. It is only April 24. I suggest that you wait a couple more weeks. For future references, you may want to set up EFTPS so that there is a verifiable date of receipt of...
by HueyLD
Thu Apr 24, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 43
Views: 7299

Re: Gift Tax Annual Exclusion ($14000)

My wife and I are looking to purchase a new house. We have saved only enough for a 10% down payment and we believe that the housing market will continue its upward movement. My parents have suggested gifting us some money so that we can put down 20% and not have to pay PMI. The question is how much...
by HueyLD
Wed Apr 23, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gift Tax Annual Exclusion ($14000)
Replies: 9
Views: 812

Re: US NEWS 9 Most Affordable Placs 2 Retire

Another day another retire somewhere other than the US article... Why do we continue to insist on trading in the greatest country on God's green earth for some third world backwater on the other side of the globe??? OK, let the rural south bashing begin :oops: You may want to get out of your neighb...
by HueyLD
Tue Apr 22, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: US NEWS 9 Most Affordable Placs 2 Retire
Replies: 21
Views: 2907

Re: Rollover to TSP

I've been following this, as I also rolled over money from a former employer 401k to TSP this year (I received a check made out to TSP FBO me and sent it on to TSP within 60 days). I was assuming there was nothing to report on my tax forms this year (paper filing still) -- is that right? This year ...
by HueyLD
Tue Apr 22, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover to TSP
Replies: 11
Views: 1421

Re: Rollover to TSP

Alan,

The rollover is from a 401(k) to another 401(k). No IRA is involved per the OP.
by HueyLD
Mon Apr 21, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover to TSP
Replies: 11
Views: 1421

Re: Rollover to TSP

i am rolling over an old 401K plan amount to the federal govt TSP. The brokerage has informed me that while the check is being made out in the name of the TSP plan, it will be mailed to me. It appears I'll then mail it to the TSP administrator…kinda daunting the thought of a check of this amount fl...
by HueyLD
Mon Apr 21, 2014 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover to TSP
Replies: 11
Views: 1421

Re: Stopping unwanted "junk" newspaper

Finally called the city and got the junk paper to stop. Huey, was that you, lived across the hallway from me? : Faith No, I lived in a SF home. My reasons for not wanting unsolicited paper had a lot to do with my being out of town frequently. In addition, I disliked the editorial section of the jun...
by HueyLD
Mon Apr 21, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1865

Re: Stopping unwanted "junk" newspaper

I had the same issue in my former neighborhood. Finally called the city and got the junk paper to stop.
by HueyLD
Sun Apr 20, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1865

Re: IRS Lost Electronic Return?

We filed my son's tax his return on February 28 electronically through TurboTax and it was accepted by the IRS. To date he has not received his refund, though we filed four other family members' returns with no problems. The "Where's my Refund" site just says it's processing. He's called ...
by HueyLD
Sun Apr 20, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS Lost Electronic Return?
Replies: 10
Views: 1169

Re: Help me find a good slow cooker

The Zojirushi rice cooker "also has a Slow Cook function that allows the rice cooker to work like a slow cooker." http://www.zojirushi.com/products/nsyac Did you read the manual? They have two recipes, minestrone and beef soup. And pay attention to the warning: no ribs. If all you want to...
by HueyLD
Sun Apr 20, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 29
Views: 2149

Re: Question about IRS Online Payment from Checking Account

For a paper check, there is no problem pre-dating. Write 4/11 on a check and mail in on 4/14 and there is no problem. But an ACH? How do you send money before you actually send it? That is the mystery. I remember one specific return that was initially rejected due to ssn and name not matching. It h...
by HueyLD
Sat Apr 19, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 25
Views: 3572

Re: Question about IRS Online Payment from Checking Account

Do you know the draft date indicated on the e filed ACH form?

The debit should take place on the date indicated. There might be a problem with your account info entered. You need to call your accountant.
by HueyLD
Sat Apr 19, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 25
Views: 3572

Re: Speculation on I Bond fixed rate for May 1st

September 2013 CPI-U was 234.149. March 2014 CPI-U was 236.293, for a semi-annual increase of 0.91566%. Using the official formula, the variable component of interest rate for the next 6 month cycle will be approximately 1.83%. http://www.mymoneyblog.com/savings-i-bonds-may-2014.html?utm_source=rss...
by HueyLD
Sat Apr 19, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 35
Views: 5855

Re: "At Vanguard my voice is my password"

I also used my voice as my password and the system worked as advertised. It worked even when my voice was slightly altered due to seasonal allergy.

This is one aspect that Vanguard is ahead of the curve.
by HueyLD
Wed Apr 16, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: "At Vanguard my voice is my password"
Replies: 24
Views: 2660

Re: Tax Efficient "Gifting" for K-12 private school tuition

I suppose if it's a nonprofit school, she could somehow work with the school to set this up as a donation designated as a very targeted scholarship, but not sure if that's legal. The school is in California, and the kids are middle and high school age. I don't know about CA, but such a practice is ...
by HueyLD
Wed Apr 16, 2014 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Efficient "Gifting" for K-12 private school tuition
Replies: 15
Views: 931

Re: Options used to fund ROTH after retirement?

papiper, I can assure you they do count. The safe harbor for IRA contributions with respect to W2 income is Box 1 less Box 11. My option profits (NSO's) show up in Box 1 on a W-2 from my former employer. I make sure to exercise enough options each year to realize $13,000 of income to cover Roth for...
by HueyLD
Tue Apr 15, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options used to fund ROTH after retirement?
Replies: 11
Views: 590

Re: Estimated taxes on capital gains later offset by losses

I sometimes have to "chastise" my preparers for not reading the words on the form they are completing (electronically). I would guess that more than half the time, the words on the form answer the question that they pose to me. It appears that very few people bother to read anything anymo...
by HueyLD
Tue Apr 15, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Estimated taxes on capital gains later offset by losses
Replies: 7
Views: 513

Re: Need advice on Roof damage and Homeowners Insurance

Recently, high winds blew off several rows shingles but only on one slope of our roof. The roof is about 14 years old. Our homeowners insurance said they would pay to replace the shingles on that entire slope. The problem is that the current asphalt shingles are 14 years old so the rest of the roof...
by HueyLD
Mon Apr 14, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on Roof damage and Homeowners Insurance
Replies: 6
Views: 467

Re: Speculation on I Bond fixed rate for May 1st

I am not Bond, the I Bond Mel. However, I expect the new I bond fixed rate to be no greater than 0.2%. Since I don't want to lose up to $20/year, I will invest my annual limit by 4/30. Hey, $20/year x 30 years is $600 more dollars to spent on Latte.
by HueyLD
Sat Apr 12, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 35
Views: 5855

Re: A few Tax Act questions - nothing too complex

I was able to find answers to my first 2 questions. Any help with #3? 3. This is my first time filing for an extension. I'm aware I need to pay any taxes by April 15th to avoid penalties. I've completed my taxes aside from the questions above, and Tax Act says I'm getting refunds for $851 (federal)...
by HueyLD
Sat Apr 12, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: A few Tax Act questions - nothing too complex
Replies: 3
Views: 210
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