Search found 3526 matches

by HueyLD
Sun Aug 30, 2015 1:25 pm
Forum: Forum Issues and Administration
Topic: Slow speed
Replies: 50
Views: 3089

Re: Slow speed

I could not even load the BH home page using an iPad.

No problems with my notebook.

The inquiry mind wants to know why.
by HueyLD
Thu Aug 27, 2015 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Retiree with FEHB-Enroll in Medicare Plan B or Not?
Replies: 18
Views: 1219

Re: Fed Retiree with FEHB-Enroll in Medicare Plan B or Not?

Last year, Aetna introduced a plan for annuitants that is specifically designed to play nice with Medicare. Recommend you check it out during open season. Full disclosure: I am not yet 65; DW is not close to 65. We have BCBS. I was introduced to the new Aetna plan at a NARFE meeting last fall, and ...
by HueyLD
Thu Aug 27, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2707

Re: Kitces - Managing the Medicare B Premium Spike

The system seems to be unfair at various levels.

However, the alternatives may be much worse.
by HueyLD
Thu Aug 27, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Kitces - Managing the Medicare B Premium Spike
Replies: 27
Views: 2707

Re: Kitces - Managing the Medicare B Premium Spike

If there is any good news for those affected it's the condition may not be permanent. In 2010 I was paying $96.50/mo for my part B. In 2011 there was no increase for me. I continued paying $96.50. But when DW came on Medicare that year her premiums were $115.40/mo. There was a small increase in 201...
by HueyLD
Wed Aug 26, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Any minimum income for Obamacare subsidies?
Replies: 30
Views: 2096

Re: Any minimum income for Obamacare subsidies?

The IRS has notified applicable taxpayers that filing a tax return for 2014 is required if the taxpayer wants to receive any PTC in 2016. The IRS is sending letters to taxpayers who received advance payments of the premium tax credit in 2014, but who have not yet filed their tax return. You must fil...
by HueyLD
Wed Aug 26, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Any minimum income for Obamacare subsidies?
Replies: 30
Views: 2096

Re: Any minimum income for Obamacare subsidies?

Applying for Medicaid is voluntary.

The insurance company will be more than glad to take your money. Medicaid may be an issue if you want to receive PTC.
by HueyLD
Mon Aug 24, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't allow dividends to Prime MM?
Replies: 28
Views: 1747

Re: Vanguard doesn't allow dividends to Prime MM?

Yes it is weird. But Vanguard's system has been stuck in the 19th century for a long time.

At this point, you can only do what the system allows you to do if you want to continue to be a Vanguard customer.

The choices suck, but......
by HueyLD
Mon Aug 24, 2015 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't allow dividends to Prime MM?
Replies: 28
Views: 1747

Re: Vanguard doesn't allow dividends to Prime MM?

Zero balance could be the problem.

My dividends are set up to automatically transfer to VMMXX, and I almost never had $3K in it.

So, try to leave a couple of dollars in the VMMXX account and see how it goes.
by HueyLD
Mon Aug 24, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't allow dividends to Prime MM?
Replies: 28
Views: 1747

Re: Vanguard doesn't allow dividends to Prime MM?

ved,

Do you currently have VMMXX in your Roth MF account?
by HueyLD
Mon Aug 24, 2015 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't allow dividends to Prime MM?
Replies: 28
Views: 1747

Re: Vanguard doesn't allow dividends to Prime MM?

The OP said: "After some research, the rep said that I cannot have the dividends deposited into the MM account unless the MM has at least $3000.
Is this true?"

No, it is not true. Call back and ask for another rep.
by HueyLD
Mon Aug 24, 2015 11:50 am
Forum: Investing - Theory, News & General
Topic: "Stop-loss" orders to automate TLH?
Replies: 8
Views: 599

Re: "Stop-loss" orders to automate TLH?

Stop loss orders can be very dangerous, as livesoft already pointed out.

If you still want to do it, make sure your order is "good for the day" only and don't leave it open overnight with a GTC order.
by HueyLD
Fri Aug 21, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and FSA Question
Replies: 8
Views: 392

Re: HSA and FSA Question

Thanks for the correction, Harry.
by HueyLD
Fri Aug 21, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and FSA Question
Replies: 8
Views: 392

Re: HSA and FSA Question

The assumption is rebuttable if you can show that: (1) you are not covered by her PPO, and (2) the money in her FSA account has not been used to pay for any of your medical expenses.
by HueyLD
Fri Aug 21, 2015 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and FSA Question
Replies: 8
Views: 392

Re: HSA and FSA Question

You (and your spouse, if you have family coverage) generally cannot have any other health coverage that is not an HDHP. However, you can still be an eligible individual even if your spouse has non-HDHP coverage provided you are not covered by that plan See page 4 of Pub 969. In other words, she can...
by HueyLD
Thu Aug 20, 2015 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Sell or Rent Out House? [Bay Area]
Replies: 52
Views: 3733

Re: Sell or Rent Out House? [Bay Area]

Bay Area properties are usually worth keeping if you think you may return someday. You appear to have deep family and emotional connection to the area and that makes your probability of returning greater than average. Being a long distance landlord is hard and can be a royal pain, but your new job m...
by HueyLD
Wed Aug 19, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 6045

Re: Bank closed all my accounts without explanation

To the OP, Compliance issues can be a real pain for banks and such issues, if left unattended, could become a real problem for the bank CEO. Bank regulators have a lot of authority assessing fines among other corrective actions when a material noncompliance is involved. If your accounts have not bee...
by HueyLD
Wed Aug 19, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 6045

Re: Bank closed all my accounts without explanation

I received a call from my bank (not Santander) on an account issue not too long ago. I advised the caller that I would not give out any information to any unsolicited caller and asked him to send me a secured email via the bank's own secured network that went directly into my inbox after my bank's l...
by HueyLD
Mon Aug 17, 2015 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage settlement speed?
Replies: 7
Views: 645

Re: Vanguard brokerage settlement speed?

The wash sale period includes 61 days, 30 days before the trade date, the trade date and 30 days after the trade date.

It is all trade dates unless some kind of short sale is involved.
by HueyLD
Tue Aug 11, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: SS withholding
Replies: 22
Views: 1679

Re: SS withholding

Carl,

You may want to review instructions for line 79 of form 1040.
by HueyLD
Sat Aug 08, 2015 9:03 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 8485

Re: Allan Roth Says Not to Load Up on Muni Bonds

O.k., renewed effort after dinner. Per Sec. 1.171-1(c): "c) General rule—(1) Tax-exempt obligations. A holder must amortize bond premium on a bond that is a tax-exempt obligation. See §1.171-2(c) Example 4. Example 4. Tax-exempt obligation. (i) Facts. On January 15, 1999, C purchases for $120,0...
by HueyLD
Sat Aug 08, 2015 8:14 pm
Forum: Personal Consumer Issues
Topic: Phone provider with unlimited data
Replies: 3
Views: 536

Re: Phone provider with unlimited data

Wal-Mart Straight Talk has unlimited talk, text and data.

BUT only the first 5 GB of data is delivered at high speed. After that, you only get 64 Kbps. So, if your data usage doesn't exceed 5 GB per month, this one is a bargain.
by HueyLD
Sat Aug 08, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 8485

Re: Allan Roth Says Not to Load Up on Muni Bonds

Thanks again Mark. I used to have a book published by the MSRB and it basically says the same thing. I can't find an applicable code section at this time. Here is what we have done to address muni premium amortizations. My current home state does not have much munis outstanding and most clients' mun...
by HueyLD
Sat Aug 08, 2015 7:36 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 8485

Re: Allan Roth Says Not to Load Up on Muni Bonds

No, the premium amortization is not deducted anywhere on the return. Rather, it is done solely to reduce the amount reported on line 8b. And FWIW, TurboTax and TaxWise can handle such adjustments perfectly.
by HueyLD
Sat Aug 08, 2015 7:23 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 8485

Re: Allan Roth Says Not to Load Up on Muni Bonds

Thanks Mark for your reply. I use the following Government guideline: "If the bond yields tax-exempt interest, you must amortize the premium. This amortized amount is not deductible in determining taxable income. However, each year you must reduce your basis in the bond (and tax-exempt interest...
by HueyLD
Sat Aug 08, 2015 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Question: [IRA contributions with no earned income]
Replies: 8
Views: 435

Re: IRA Question:

1. Yes

2. Schedule C. However, if your AGI is over the Roth contribution threshold, you may not be able to contribute to Roth directly.

3. 9,000 minus 1/2 of her self employment tax.

4. Split between two of in in any which way you like.
by HueyLD
Sat Aug 08, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block and ISO stock options question
Replies: 3
Views: 412

Re: H&R Block and ISO stock options question

I would amend the year one tax return and reduce the sale price by the reduction.
by HueyLD
Sat Aug 08, 2015 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Zero Coupon Amortization/Basis
Replies: 8
Views: 634

Re: Muni Zero Coupon Amortization/Basis

Crefwatch, Your PR bond cusip 745268JW3 information can be found here http://emma.msrb.org/SecurityDetails/TradeActivity/AC9D4424F4BA9D0CBE05B2FEB20D9E637 This zero coupon muni has a DTD of 8/24/1989, maturity date of 7/1/2017 with an IPO price of 14.518. With this information, you can calculate (mo...
by HueyLD
Sat Aug 08, 2015 12:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5818

Re: Congrats to Laura Dogu

When I grow up, I want to be just like Laura.
by HueyLD
Sat Aug 08, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 8485

Re: Allan Roth Says Not to Load Up on Muni Bonds

Lastly, muni income is counted in modifying your AGI for Medicare premium purposes so if you don't amortize even in-state bonds on your tax return, you can be penalized by needlessly increasing your Medicare premiums. This is a mistake I've even seen accountants make because they don't see the rami...
by HueyLD
Fri Aug 07, 2015 12:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5818

Re: Congrats to Laura Dogu

Felicitaciones por su nombramiento embajador. Mis mejores deseos para el éxito continuo.

(Via Google Translate)
by HueyLD
Fri Aug 07, 2015 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4419

Re: Budgeting For 2016 Medicare Part B Increase

Sec. 1839 says: "In calculating the monthly actuarial rate, the Secretary shall include an appropriate amount for a contingency margin." This contingency margin could include an amount to account for the fact that many beneficiaries can't have their premiums increased due to the held harml...
by HueyLD
Wed Aug 05, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: Comcast wants me to buy a new modem (I think)
Replies: 53
Views: 2835

Re: Comcast wants me to buy a new modem (I think)

I went through exactly this with Comast a few months ago. They hounded me to upgrade and eventually cut off my internet until I traded the old modem for a new one. I chose the one without the integrated router because I already had a router, but their required new modem would only connect to my rou...
by HueyLD
Tue Aug 04, 2015 2:13 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 8485

Re: Allan Roth Says Not to Load Up on Muni Bonds

I have around 60% of my non-retirement investments in VWIUX (2.8% tax equivalent yield), so this caught my attention: Though I do own a low-cost muni bond fund, it’s a very small part of my fixed-income portfolio. Muni bonds represent about 10 percent of the U.S. investment-grade bond market and I ...
by HueyLD
Tue Aug 04, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4419

Re: Budgeting For 2016 Medicare Part B Increase

Artsdoc,

I don't know why Cali CPAs would be different from CPAs in other states. My guess is that most of your friends are not on Medicare and thus it is not necessary to amortize CA muni premiums.

It is good to be aware of such things.
by HueyLD
Tue Aug 04, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4419

Re: Budgeting For 2016 Medicare Part B Increase

Again it depends. If bonds were bought in 2014, such amortizations would have been reported to the IRS. When I prepared tax returns for clients or reviewed returns prepared by others, I always made sure that such amortizations were properly entered because the vast majority of munis are taxable on t...
by HueyLD
Tue Aug 04, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4419

Re: WSJ article on Medicare Premium Spike

Even with a 52% increase, Medicare is still the best bargain available to average older Americans. You won't be able to get a private insurance anywhere near the Medicare price.

It is what it is. We all want Medicare to be around for the long haul and periodic price adjustments are just part of it.
by HueyLD
Tue Aug 04, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4419

Re: Budgeting For 2016 Medicare Part B Increase

Just as a reminder to those who have individual munis. A lot of accountants don't amortize in-state premium munis because it doesn't affect the amount of income tax that is due. However, muni income is factored into your MAGI for Medicare premium purposes. You should be amortizing your premium in-s...
by HueyLD
Sun Aug 02, 2015 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: My HH Bonds are nearing final maturity date. What happens then?
Replies: 18
Views: 826

Re: My HH Bonds are nearing final maturity date. What happens then?

How do I redeem my HH or H bonds? Your local bank or other financial institution cannot redeem HH or H bonds. However, the bank can help you by •certifying or guaranteeing your signature on your request for payment (on the back of the HH or H bond you want to redeem), and • sending the bonds, with ...
by HueyLD
Sun Aug 02, 2015 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Interest income in a foreign country&Currency loss
Replies: 7
Views: 398

Re: Interest income in a foreign country&Currency loss

Plain vanilla types of foreign currency gains or losses are treated as ordinary income/loss and Line 21 is where I put such amounts. Gains are shown as positive numbers and losses are shown as negative numbers. Keep in mine that certain foreign currency transactions could be very complicated and are...
by HueyLD
Sun Aug 02, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Interest income in a foreign country&Currency loss
Replies: 7
Views: 398

Re: Interest income in a foreign country&Currency loss

Anil, Report foreign interest income by translating it into USD. If interest is earned only a few times a year, use the actual exchange rates. If the interest is earned evenly throughout the year, use the IRS published average rate. For actual loss on a currency transaction (not just a paper loss), ...
by HueyLD
Fri Jul 31, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11231

Re: Retirees: Questions you hate being asked

Why are you not working?
by HueyLD
Thu Jul 30, 2015 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Auto collision with uninsured driver caused $5000 in damage. What to do?
Replies: 23
Views: 2259

Re: Auto collision with uninsured driver caused $5000 in damage. What to do?

OP, Have you read his auto insurance policy? Mine says the following: Uninsured motorists coverage pays for your injuries caused by an uninsured driver or, in some states, a hit-and-run driver. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given the large numb...
by HueyLD
Wed Jul 29, 2015 9:04 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29416

Re: Free Windows 10 Upgrade, Yes or No?

I prefer not to be among the first ones to install a new operating system update, Windows or Safari.

Just wondering how much time MSFT will allow before the free update period ends.
by HueyLD
Wed Jul 29, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 2989

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: 684

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: 17
Views: 2433

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: 972

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: 3833

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: 5696

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. :)

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