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HSA: "combined" spousal account

In 2010 my wife and I went to an HSA eligible health policy. Made the maximum deposit each year for both of us into an account that had only my name on it. In 2013 I aged into Medicare and continued to put the maximum deposit (for my wife only) into the same account. I share the blame with the credi...
by TheGreyingDuke
Thu Mar 26, 2015 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA: "combined" spousal account
Replies: 11
Views: 718

Re: Anyone has OnePlus One phone purchase invite to share?

Not sure if this is still true but as of a few weeks ago they were issuing invites to anyone each Tuesday.
by TheGreyingDuke
Thu Mar 26, 2015 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Anyone has OnePlus One phone purchase invite to share?
Replies: 7
Views: 604

Re: TradingPlaces' advice on travel awards

Victoria: Thanks for instigating this fascinating thread, I have learned much about the intricacies of the task. BTW, as you mentioned in the thread, 1 hour transfer at Narita can definitely be a problem, when I fly in there from the US and connect to a flight to China, you exit the secure area and ...
by TheGreyingDuke
Tue Mar 24, 2015 8:44 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 18333

Re: VBRO and Airbnb versus property values

btenny wrote:
If I help my HOA in documenting these activities am I libel for some sort of legal action from this new neighbor?

Is there some way this guy can sue me for helping my HOA? Comments?


Libel or Liable??
by TheGreyingDuke
Mon Mar 23, 2015 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Neighbor violating HOA rules by using] VBRO and Airbnb
Replies: 38
Views: 3871

Serve and credit card loads

As of Apr il 16, you can no longer use credit cards to load Serve, except that Amex is still permitted to be used. :(
by TheGreyingDuke
Fri Mar 20, 2015 9:47 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 193
Views: 18333

Re: Medicare Card and Medicare Advantage

The advice from social security is to never carry your SS card with you, but put it in a safe place. I have never been asked to show my card in any circumstance, sometimes the number is requested.
by TheGreyingDuke
Tue Mar 17, 2015 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 783

Re: What Movie Have You Recently Watched?

Leviathan

Depicts corruption in Putin's Russia and the connivance of the church in the process. Lots of vodka drinking and cigarette smoking, I could feel my liver hardening!
by TheGreyingDuke
Sat Mar 14, 2015 5:29 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 656
Views: 86714

Re: CAUTION: Vanguard Brokerage Service Foreign Tax Error?

This thread was from 2010 and it's 2015 now. Have Vanguard Brokerage 1099s changed to make filling out form 1116 easier since this old thread? Does anyone have a quick summary of the easiest correct way to enter things into TurboTax these days? Or a pointer to a more recent thread where this was di...
by TheGreyingDuke
Sat Mar 14, 2015 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: CAUTION: Vanguard Brokerage Service Foreign Tax Error?
Replies: 37
Views: 6022

Re: Tourists in Manhattan

check here for free admission times at the various museums, with a week you might be able to make this work.
http://freemuseumday.org/nyc.html
by TheGreyingDuke
Sat Mar 14, 2015 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 4502

Re: New phone considerations for Consumer Cellular

Lots of phones, lots of choices. I got the 2014 Moto-X and it's been a good phone. I like the size, but the newer one has gotten bigger and not for me. Also, Google sold Motorola to Lenovo and I can't say if the phone is as good as the previous X. I'd check it out though. Do you know whether the 20...
by TheGreyingDuke
Wed Mar 11, 2015 6:42 pm
 
Forum: Personal Consumer Issues
Topic: New phone considerations for Consumer Cellular
Replies: 4
Views: 478

Re: Where to retire in New England?

I moved to Vermont in 1972, part of the trek northward from NYC. Did not know from shinola when I first got here and within a few weeks, by 1965 Volvo needed a valve job. I was broke and within any ideas; I mentioned my problem to my neighbor (who had been to Boston once for some medical procedure, ...
by TheGreyingDuke
Wed Mar 11, 2015 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 7532

Re: Oil & Vinegar

I'm surprised by all the recommendations to make your own, which sounds complicated to me (I note that most of the recipes posted in this thread contain several ingredients I don't currently have on hand). I often don't feel that I have time in the evenings to pull vegetables out of my refrigerator...
by TheGreyingDuke
Tue Mar 03, 2015 1:25 am
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4092

Re: Not clearing snow from driveway

AZAttorney11 wrote:Life is too short to live in a place with snow.


Different strokes, different folks...

This morning it was 17 below F, waited till it warmed up to about 5 above, bright sun, blue skies, strapped the touring skis on and spent a glorious few hours in the woods.
by TheGreyingDuke
Tue Feb 17, 2015 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 5963

Re: Extended car warranty - worth it?

I agree that these are written for the benefit of the issuer or else how would they stay in business. On some level, the same could be said about any sort of insurance, but insurance is regulated, it is more transparent as to what is covered and what is not, and there is some competition. One exampl...
by TheGreyingDuke
Tue Feb 17, 2015 11:34 am
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1954

Re: How to interact with medical establishment

Not enough information for sound feedback but... if this is a practice that is part of a larger system, I would ask to speak to the practice manager, calmly explain what happened, what your expectations were and how they were not met, "Is there anything you can suggest so that I am not faced wi...
by TheGreyingDuke
Sun Feb 15, 2015 7:32 pm
 
Forum: Personal Consumer Issues
Topic: How to interact with medical establishment
Replies: 48
Views: 2896

Re: Rental Car Prices - is this the new normal ?

Regarding insurance on rental cars - your private insurance likely does not cover "loss of revenue," or the money that that rental car would have brought in had you not wrecked it. If you're concerned about this, make sure you account for it. This is one of the items covered by the AMEX p...
by TheGreyingDuke
Sun Feb 15, 2015 9:24 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 8133

Re: Quicken downloads and 2 factor ID in Vanguard

Thanks, I will give that a go!
by TheGreyingDuke
Sun Feb 15, 2015 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken downloads and 2 factor ID in Vanguard
Replies: 12
Views: 757

Quicken downloads and 2 factor ID in Vanguard

I am looking to set up 2 step verification on my Vanguard account and see that some aggregators hiccup on it, but I haven't seen if there are any similar problems with downloading into Quicken.
by TheGreyingDuke
Sun Feb 15, 2015 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken downloads and 2 factor ID in Vanguard
Replies: 12
Views: 757

Re: Buying As Is Home

Not sure where you are or what the roofing material is, but my nephew has a house in CA, tiles going bad, and there is a class action settlement that puts some $ in your pocket if it applies: http://classactionlawsuitsinthenews.com/class-certification/monier-roofing-tile-class-action-lawsuit/ You sh...
by TheGreyingDuke
Sun Feb 15, 2015 9:09 am
 
Forum: Personal Consumer Issues
Topic: Buying As Is Home
Replies: 27
Views: 2135

Re: Consolidate 2 or 3-fund to single fund in taxable

I agree with livesoft, re-balancing is, not that big a deal. I am not convinced that it makes all that much a difference (not wanting t get int a debate, I know there is another side to the story) and if necessary and desirable, a call to a Vanguard rep once a year can give her the figure she would ...
by TheGreyingDuke
Sun Feb 15, 2015 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Consolidate 2 or 3-fund to single fund in taxable
Replies: 10
Views: 653

Re: National muni tax-exempt funds

If it is relevant, check to see if there are AMT issues with any of the mooted funds.
by TheGreyingDuke
Thu Feb 12, 2015 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: National muni tax-exempt funds
Replies: 10
Views: 1009

Re: Medicare - Plan B - NJ

I urge you to go to Medicare.gov, start with choosing a plan, and work your way through it. Each time I think you have been steered in the right direction yo say something that makes me uncertain. For example, if you choose Part A and Part B you cannot have a Medicare Advantage plan, and vice versa....
by TheGreyingDuke
Thu Feb 12, 2015 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 825

Re: Medicare - Plan B - NJ

AT: I am still uncertain as to what you are seeking to do. Plan B does not require (or allow) you to choose an insurance company. This "traditional" Medicare allows you to see any provider, with those enrolled in Medicare agreeing to take the Medicare rate while those not enrolled in Medic...
by TheGreyingDuke
Wed Feb 11, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 825

Re: Medicare - Plan B - NJ

Not sure what your situation is, some more details would help. It sounds as if you bought a Mediagp from BC, since you sate you cancelled your Part B when you got the job. If you are looking for a medigap plan, and I think losing the job is a qualifying event but not certain, than you can choose you...
by TheGreyingDuke
Tue Feb 10, 2015 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 825

Re: How much in donations will effect taxes?

For several years I have not itemized because I have had too little to itemize. I am in the 15% tax bracket and want to stay there. I am now in a position to donate a lot of our household belongings, as well as an old car to charity. What amount of donations must I reach to begin reaping some tax d...
by TheGreyingDuke
Tue Feb 10, 2015 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: How much in donations will effect taxes?
Replies: 6
Views: 572

Re: Ice dams - windows leaking

Thanks for the replies. The guy said he looked around the attic and it's not a roof problem. The water was getting between the gutters and siding. What should I do, other than having them re-wrap the siding? Should I be concerned about damage inside my walls? If I understand correctly, water got in...
by TheGreyingDuke
Sun Feb 08, 2015 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Ice dams - windows leaking
Replies: 12
Views: 1458

Re: Glasses turn around time and cost

Not sure where you are, but when I stepped on my glasses last winter, I was spending the season in NYC, I walked into a neighborhood store and walked out an hour later with a pair of glasses, $90 (single vision.)
by TheGreyingDuke
Sun Feb 08, 2015 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Glasses turn around time and cost
Replies: 19
Views: 1591

Re: Ice dams - windows leaking

As mentioned, the windows are not the problem, it is the way the roof is insulated. In older construction the space for insulation, where the rafter meet the exterior wall, slope down to 0". In newer construction the rafter are raised off the top plate of the exterior wall 12" to allow the...
by TheGreyingDuke
Sun Feb 08, 2015 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Ice dams - windows leaking
Replies: 12
Views: 1458

Re: Advice on Selling Car with Manual Transmission?

I will only buy cars with manual transmissions and would even pay more for one. Don't sell yourself short. I would be very careful with test drives though. A novice could easily burn up the clutch. I would insist on driving the car for them. If I were looking at a car and was not allowed to drive i...
by TheGreyingDuke
Fri Feb 06, 2015 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Advice on Selling Car with Manual Transmission?
Replies: 30
Views: 2362

Re: Looking for a DSLR that will allow me to get fairly seri

I am going to do something that I usually criticize when I see the responses to: "I am in the market for a new Windows computer...." and the responses go "Buy a Mac" So, I will pitch Pentax, no experience with their service, never needed it going back to my first k1000 in 1975 or...
by TheGreyingDuke
Thu Feb 05, 2015 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a DSLR that will allow me to get fairly serious.
Replies: 118
Views: 6437

Re: New laptop v. Refurbished, Apple v. Other

The only issues we've had in the recent past is buying third-party RAM, each one failing and having to be replaced. It used to be that Apple's RAM was overpriced (it still is), but now I think it's best to just pay the ransom and have RAM that is installed by Apple to their specs. I don't believe t...
by TheGreyingDuke
Mon Feb 02, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: New laptop v. Refurbished, Apple v. Other
Replies: 14
Views: 1440

Re: Mac reliability?

I had years of positive experience with IBM/Lenovo laptops. I bought a Thinkpad around 2005 that is still working with its original components. That said, my current Lenovo (Yoga 13) as well as my previous Toshiba laptop have been disappointments, and particularly disappointing was the response I g...
by TheGreyingDuke
Fri Jan 30, 2015 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 89
Views: 4667

Re: Selecting a Medigap Policy with 28 Choices

California does not do such a good job at collecting this data, offering only "sample" rates. http://www.insurance.ca.gov/01-consumers/105-type/95-guides/05-health/03-medsup/index.cfm Vermont, my residence, provides a good table showing the cost of each and every provider http://www.dfr.ve...
by TheGreyingDuke
Thu Jan 29, 2015 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 3717

Re: Income on credit card application for high assets/low in

toasty I am in a position similar to you, until 70 I will be in the 15% bracket, only income is from dividends and interest. I have always given the actual totals of these two items as my income, never been denied and always get enough credit. If it is only in the $5-8K range after six months I ask ...
by TheGreyingDuke
Thu Jan 29, 2015 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 941

Re: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/

My main concerns would be related to long-term resale value and support. Still not comfortable buying stuff in this price range from the new Chinese owners, especially when there are so many viable options to choose from that are US owned or at least US Allies. Heck, even the federal government avo...
by TheGreyingDuke
Wed Jan 28, 2015 9:16 am
 
Forum: Personal Consumer Issues
Topic: Prices Paid - 2015.5 Volvo XC60 T6 AWD Platinum/Climate/Blis
Replies: 13
Views: 1441

Re: Bring USD to Louisiana USA from Philippines

Not sure if this is relevant, but I routinely wire transfer USD to China FROM Vanguard and they never charge a fee.
by TheGreyingDuke
Wed Jan 28, 2015 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Bring USD to Louisiana USA from Philippines
Replies: 19
Views: 1803

Re: Vanguard Flagship Service Experience

In agreement with previous posts, no big deal one way or another.

There was ONE time when I was in China and needed to submit some paperwork in hard copy, I cannot recall what it was. I Fedexed it to Vanguard and they credited me the $35 cost :happy
by TheGreyingDuke
Tue Jan 27, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Flagship Service Experience
Replies: 12
Views: 2353

Re: Rental Car Prices - is this the new normal ?

All reasonable suggestions here, but my experience is that Costco has NEVER had the best rate, sometimes you find something useful on one of the aggregators (Kayak, Orbitz) but sometimes just use your favorite search engine, type in "care rental Oakland" and you might find some no name bra...
by TheGreyingDuke
Sun Jan 25, 2015 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 8133

Re: Downsize, Reduce, Simplify.

Starting spending 6 months each year in China in 2006, sold the house in 2008 and have been "sleeping around" ever since. When we sold the house we got rid of lots of things (Goodwill, Craigslist, etc) and put other things in storage, an 8 X 20 unit. We have rented summer places on water, ...
by TheGreyingDuke
Sat Jan 24, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 72
Views: 9682

Re: Where to get medallion signature guarantee

I assume these things involve some legal risk to the bank, and that only honchos at a certain level are authorized to do them... but in these modern times of, you know, fax machines--i've even heard of Skype and videoconferencing--I don't see why the little branch can't call up the VP at the big br...
by TheGreyingDuke
Sat Jan 24, 2015 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to get medallion signature guarantee
Replies: 49
Views: 4283

Re: Malware problem on new PC

But the OP states that s/he noticed the problem AFTER installing Chrome, seems that a new machine would be susceptible to the same problem. I would go for the nuclear option and then carefully download Chrome, if that is still desired, from google and watch for any nefarious extensions or the sort. ...
by TheGreyingDuke
Wed Jan 21, 2015 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2709

Re: Keurig-cup coffee makers - why?

another article: http://www.motherjones.com/blue-marble/2014/03/coffee-k-cups-green-mountain-polystyrene-plastic We make our coffee with a chemex, organic coffee, unbleached filter, filtered well water. I don't like to drink anything else. (once you've had cancer, anything plastic is suspect.) Morn...
by TheGreyingDuke
Wed Jan 21, 2015 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12368

Re: Medicare Newbie

johnep wrote: I highly advise you to contact the SHIIP office in your state who are setup to explain Medicare to potential recipents. These people are very good at explaining Medicare and can offer you good advice.


This should be your first step, once you know A from B (and C and D) :D
by TheGreyingDuke
Wed Jan 21, 2015 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Newbie
Replies: 14
Views: 1041

Re: Why are fruits not cheaper in California?

Fruits and vegetables *are* cheaper in CA, but you can't shop at the big grocery store chains. You need to shop at the farmers markets or the stores that sell *only* fruits and veggies. +1. Check out Berkeley Bowl. If you are on a budget they sell bags of bruised/ripe fruit for $1.29, usually weigh...
by TheGreyingDuke
Wed Jan 21, 2015 7:39 am
 
Forum: Personal Consumer Issues
Topic: Why are fruits not cheaper in California?
Replies: 28
Views: 1742

Re: What price are you planning to pay for your next car?

Less than $200 per month for a new car with nothing down. Free maintenance. Turn it in before anything on the 3-year warranty expires. Chevy Equinox, Malibu, or Cruze. Have done this for more than ten years with two cars in the driveway. Did I mention OnStar, XM Radio, and Roadside Assistance are i...
by TheGreyingDuke
Tue Jan 20, 2015 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 7171

Re: Transfer of Assets and Capital Gains question

When I transferred some assets from Fidelity to vanguard, the cost basis came along, Vanguard had it accurately recorded. These were assets acquired AFTER the law required that cost basis be recorded and reported to IRS.
by TheGreyingDuke
Mon Jan 19, 2015 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transfer of Assets and Capital Gains question
Replies: 5
Views: 372

Re: MediCare and ? What are your out of pocket costs please.

Part A= $0 Part B=$145 (IRA to Roth IRA increased my income to the point where I pay a surcharge) Part C=$45 (high deductible F) Part D-=$15 These are monthly costs, only non-preventive service I have had the past two years was a broken arm, I think I wound up paying about $180 all in, including the...
by TheGreyingDuke
Sun Jan 18, 2015 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 24
Views: 2374

Re: Custom branded USB flash drive

All flash drives are not created equal, they differ in terms of reliability and speed. Be sure that you can verify both before making such a large purchase. I have bought many flash drives in China and indeed, the quality differs greatly. Not sure I would by 100 of them without some testing. I secon...
by TheGreyingDuke
Sat Jan 17, 2015 11:19 am
 
Forum: Personal Consumer Issues
Topic: Custom branded USB flash drive
Replies: 4
Views: 844

Re: Medigap

I have been told, that all Medigsp plans are required to provide certain coverage to be considered providers & that price and customer satisfaction/service are the determining factors. Has anyone else researched this? The service question is a bit of a distraction, in my experience. I go the do...
by TheGreyingDuke
Sat Jan 17, 2015 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap
Replies: 9
Views: 819

Re: Medigap

The plans offered by the different entities, for a given letter (A, F, F high deductible, N, etc) are identical, the premiums are not. So most people will advise to go with the least expensive choice, for a given level of insurance. What letter plan you should buy depends on your individual requirem...
by TheGreyingDuke
Sat Jan 17, 2015 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap
Replies: 9
Views: 819
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