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Re: Medicaid look-back

Found another .gov link and it does say that Medicaid will pay for in-home custodial care. However, as the previous poster indicated, check with your own state agency. Medicaid is a joint federal and state government program that helps people with low income and assets pay for some or all of their h...
by HueyLD
Thu Jul 31, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid look-back
Replies: 3
Views: 187

Re: Medicaid look-back

Richard, I read in this Kiplinger letter that nursing home care is required for Medicaid. "Remember, though, that Medicaid is not an ideal solution even if you can protect some assets. "Medicaid comes up short in protecting your freedom of choice," says Ryan. You or your parent would ...
by HueyLD
Thu Jul 31, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid look-back
Replies: 3
Views: 187

Re: state income tax withheld from IRA distribution?

This part of Vanguard instructions is confusing. For example, it says: "Residents of Indiana, Louisiana, Maryland, Missouri, Montana, New Jersey, New Mexico, New York, Utah, and Wisconsin: State tax may be withheld regardless of your federal withholding election. Vanguard will or won’t withhold...
by HueyLD
Thu Jul 31, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: state income tax withheld from IRA distribution?
Replies: 38
Views: 1379

Re: Gift Tax for opening an 529 account for youself

I agree with sscritic that if you name yourself as the beneficiary, there is no gifting involved. 529 plans are sort of unconventional because you are allowed to name yourself as the beneficiary. I think a parent may use this technique to name himself/herself as the beneficiary before the child is b...
by HueyLD
Thu Jul 31, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Gift Tax for opening an 529 account for youself
Replies: 6
Views: 358

Re: Two days in Little Rock, AR - What to do and see?

If you go to the HSNP and expect to see a national park, sorry it isn't. It is a nice city park with bath houses and don't expect to see any hot springs in the open because all the thermal energy is channeled to various bath houses.
by HueyLD
Thu Jul 31, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 18
Views: 712

Re: Two days in Little Rock, AR - What to do and see?

Agree with the Central High and Little Rock Nine visit if you are truly interested in this chapter of history in Little Rock and the country.

Heifer International is another very good one of a kind place.
by HueyLD
Thu Jul 31, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 18
Views: 712

Re: Two days in Little Rock, AR - What to do and see?

Appreciate the response from everyone. I think we're going to focus our energy into the Presidential library, the Big Dam, and Pinnacle mountain. For those that have hiked the mountain, how "toddler" friendly is it? Is it feasible to have a toddler on my back and complete the hike (relati...
by HueyLD
Wed Jul 30, 2014 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 18
Views: 712

Re: state income tax withheld from IRA distribution?

O.k., folks. Vanguard made a carefully decision to withhold state taxes only when required by law. It is expensive to have to collect and file taxes with states. It's one way to hold down the cost. If tax withholding is important to you, you may want to transfer your money elsewhere. It's hard to ha...
by HueyLD
Wed Jul 30, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: state income tax withheld from IRA distribution?
Replies: 38
Views: 1379

Re: Two days in Little Rock, AR - What to do and see?

My family will be travelling through Little Rock, AR, in the near future and we thought we'd spend a few days checking out the area. Anyone have any suggestions on what to visit? Where to stay? Local restaurants? Travelers include two adults and a toddler. Any insight would be greatly appreciated! ...
by HueyLD
Tue Jul 29, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Two days in Little Rock, AR - What to do and see?
Replies: 18
Views: 712

Re: Vanguard quietly adds longevity annuities

Roth IRAs are not QLAC because no RMD is required. I don't see why you cannot direct the annuity payouts back to the Roth IRA. However, longevity annuity payments from T-IRA will be considered RMD and one cannot put RMD back to the T-IRA. https://www.federalregister.gov/articles/2012/02/03/2012-2340...
by HueyLD
Sat Jul 26, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5227

Re: A question on long term care insurance

I also helped another elderly person with her tax returns. She received LTCI benefits from Genworth for about three months and she was very happy with the experience.

Again, I merely share my experience as a volunteer and I have absolutely no affiliation with any insurance company.
by HueyLD
Sat Jul 26, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: A question on long term care insurance
Replies: 18
Views: 935

Re: A question on long term care insurance

Consequently, I'm interested in hearing about other consumers' actual experiences with LTC payments. I recently helped an elderly person with her L/T care insurance issues and she had LTCI with Genworth. Her claims experience was quite satisfactory and she was paid for qualified LTC expenses for th...
by HueyLD
Sat Jul 26, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: A question on long term care insurance
Replies: 18
Views: 935

Re: Treasury Direct--just blowing off steam

sscritic wrote:The form says you can't use it to remove a bank. It says add a bank then go online to remove the bad bank. Is there a two bank limit? In that case you can't add a second bank as a method of removing the old bank. Just speculating.

Sscritic's guess is probably right.
by HueyLD
Fri Jul 25, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4092

Re: Treasury Direct--just blowing off steam

Nisiprius,

I think the TD employee made an honest mistake entering your new bank info. It will be fixed in due time. Best of luck to you.
by HueyLD
Fri Jul 25, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct--just blowing off steam
Replies: 58
Views: 4092

Re: Do you have State Farm Emergency Road Service?

I haven't used mine, but my ladyfriend used hers a few times in 2011-2010 before her car finally died. Our mechanic would have her car towed from where it had broken down to his repair shop (close by) then work on it. She would make a copy of the work order which included the towing charge shown se...
by HueyLD
Fri Jul 25, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Do you have State Farm Emergency Road Service?
Replies: 4
Views: 435

Re: Do you have State Farm Emergency Road Service?

My agent tells me there are no limits on the amount of times you call and it will not affect my policy. Has anyone used State Farm's Emergency Road Service? Is it as good as AAA? I'm thinking of canceling my AAA membership. I think your agent lied. I was with State Farm for many years and carried t...
by HueyLD
Fri Jul 25, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Do you have State Farm Emergency Road Service?
Replies: 4
Views: 435

Re: Rich Spouse, Poor Spouse

Get a divorce and continue to live happily together.
by HueyLD
Thu Jul 24, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5175

Re: Will not using my dishwasher cause problems?

sscritic wrote:When I cook rice, I have leftovers. I put the rice pot in the fridge.

My high end rice cooker specifically indicates not to leave any food in it for longer than necessary. I guess it is cheaper to wash it than having to buy another one. :shock:
by HueyLD
Thu Jul 24, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 41
Views: 1987

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: 41
Views: 1987

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: 41
Views: 1987

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: 471

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: 1759

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: 4868

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: 4451

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: 4451

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: 4451

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: 9082

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: 3547

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: 725

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: 913

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: 6877

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: 578

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: 578

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: 4847

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: 536

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: 350

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: 767

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: 418

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: 353

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: 3189

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: 7302

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: 4184

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: 2215

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: 3493

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: 856

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: 7302
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