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Now you know better than to ever ask a question. Just do it, as I said to JamesSFO. Note that even if you cheat (once), they will let it stand, as they did for the OP who bought $10k twice. Now as I read you, you didn't even cheat, but just asked an evil question, but no matter. It's all good. You'...

Tony looking forward to hearing what you find from Treasury direct! Hello JamesSFO and sscritic and others, Here is the reply from TD. First is TD's response, with part of my original question below. TD didn't understand. Treasury.Direct@bpd.treas.gov 4:46 PM (1 hour ago) to me Hello, The bonds tra...

JamesSFO wrote:Tony looking forward to hearing what you find from Treasury direct!

I'm just writing to TD. They usually respond within 24 hours. I'm report back in.

Hi again ss:
I wrote my last post without having seen yours.
I'll follow up with TD and report in.
Thank you

I'm sorry, sscritic - strike the quote I gave you of the reply from TD. That was actually a reply to an earlier exchange I'd had with TD, asking if I could purchase and then switch I bonds from our regular TD accounts into our Trust Account. I hadn't looked at either of these emails for quite awhile...

Let me ask you: do you have one account or two? Hi ss - I have a TD account; my spouse has a TD account; the two of us have a trust account and it is in my SS # and I am the person authorized to act on that account. Thank you very much for your quick and thorough reply. I have to go out now, but I'...

Buying $10k twice as two different people with the same SSN is not the same as buying $10k twice as the same person with the same SSN. The regs are clear: you are not your trust and your trust is not you. The only issue is if you can have 10 trusts with the same SSN. Here is one way to think of it....

Dear Taylor,
Have a wonderful day! Thank you for all your help. You are appreciated!!!
Very best wishes,

With all the threads on the limits on I bond purchases, there were lots of posts on how to buy $40,000 a year as a couple: you, your spouse, your living trust using your SSN, and your spouse's living trust using the other SSN. Now most couples don't have two trusts, but plenty have one, allowing th...

$1138 for the root canal
$1171 for the crown. That didn't include the buildup, which was another $300.
No dental insurance. Great dentists though.

Last of the big spenders?

It varies by state, but in CA, you should have anything over $100K of non-real-estate assets held in the name of your trust (not including tax-advantaged or POD accounts for which beneficiaries are named directly, and thus are not subject to probate). Your heirs can use a simple small estate affida...

This brings up a question I was asked and didn't have the answer. Does the doctor's office have immediate online access to the Medicare logs to know if you've met the deductible? Otherwise how do they know what to ask you or do you walk out the door and they bill you (which I know doctor's offices ...

In my experience, once you've met your $140 deductible for the year, if you have a Medicare Supplement policy - also known as a Medigap policy - you will rarely have to pay anything else. I do have one provider who does not "accept assignment". "Accept assignment" is a Medicare t...

Since you must act jointly, act jointly to name one as the person on the account and state that the one person can't act without the consent of both trustees. Or something like that. The link you sent does have this: Entity account manager is the indi- vidual who initially opens the TreasuryDirect ...

Today I went over the paperwork for re-titling electronic I Bonds into our trust. Hard to believe, but the TD website directs people with electronic bonds to "Trust" under "Entity Accounts" and there it states "If a single individual can't legally act alone, then you can't o...

+1
Vanguard makes it very easy to do the transfer. Be sure you follow up after to see that it happened as you directed.

JDCPAEsq wrote:I wouldn't pass it by and incur the late enrollment penalty. I pay $181.20 a year for Humana coverage. Well worth it just to lock in the coverage for life.
John

+1

I like paper books - either hardback or trade paper. I get them mostly from the library. There's a limited selection at the local library but by requesting books from other libraries I can usually get what I want. But I have to admit, I haven't really given e-books a fair trial. I've downloaded quit...

LL Bean.

On Friday I posted about a problem with cost basis. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=97393 I emailed Vanguard yesterday, but no reply yet. It does make me wonder. How many more people are having the same problem? This is the first I've heard that the cost basis department is g...

I've looked at both. They are unbelievable. I have a huge realized capital loss (on a short term bond fund?) and the huge unrealized capital gain. My mistake; I missed the short term bond fund in your OP. It wouldn't matter how you chose the shares to sell, you shouldn't have big anything, gains or...

Thank you again, everyone.

Best wishes,

Infrequently.

Eric posts very occasionally.

I miss all of the above, but I especially enjoyed neverknow's posts.

You have sold shares, so you have both realized and unrealized gains. Look at both. How did you choose which shares to sell? If you sold the shares with the highest basis so as to minimize the realized gain, you at the same time kept the shares with the lowest basis giving yourself the maximum poss...

I'm going to do as you do and track carefully from now on. I've already been to the Wiki to download a tracking spreadsheet (link didn't work; I reported it). I checked the wiki. Was it My Personal Index ? You can find it here: My Personal Index - Now a Standalone Application . Be sure to check the...

Ok, thanks for that response. It's inconvenient to call from where I am, but I can email my rep. Follow up with a phone call if absolutely necessary. I did check the confirmations and those are correct and so are the totals in the Accounts and Activity list. But when I click on that link I get a com...

I've always been advised to keep every tooth I possibly can. You may find you need it in the future if you lose teeth in front of it or for some other reason.
If a dentist implied it didn't matter, I'd find a dentist who knows it does matter.

I've just noticed that my Vanguard account online shows my short term bond fund has a huge unrealized gain and a very small total cost of shares. Shall I let it go for now and hope that it will be rectified at some point? I am away from my records and have been for some time. I'm also not very good ...

It is not a hassle...really it isn't. Reissuing our 125 I Bonds to our trust....now THAT was a hassle. My lawyer called me a month after the trust was written, "Have you transferred everything to the trust as we discussed?" I had done a few items, but not everything. He chastised me, &quo...

Check carefully to make sure that you have the correct amount for your SEP contribution. Both your SEP contribution and your Self-Employment deduction are affected by changes in the law that happened very late in 2011 (or earlier in 2012, I'm not sure which) Be sure you have updated instructions. Tu...

Hi Folks, A question for forum members who know about trusts, like jdcpaesq: My brother and his wife are setting up a trust. He is a partner in our family business. He wants to make sure that if he dies first, his wife will have the income from the partnership while she lives, but that the partnersh...

The most important reason I e-file is that I think IRS is more likely to make mistakes if I mail in my return.

You could try Fairmark for your tax questions. They're excellent. http://fairmark.com

Thanks for all the replies so far. We'll look into these and any others anyone suggests.

Best wishes!

Hi folks, We have had Macs for awhile now, and until recently we've felt safe without antivirus software. But these days, just about every time we check the news, there's an article about lack of privacy online, problems of security, hacking, malware and so on. So we are wondering: is it time to get...

Still driving a 1992 Taurus. We call it The Drunken Whale.

Thanks for the help, folks! And a special thank you to sscritic: you're a great asset to us.

Best Wishes, Tony

Welcome home, Pat! Here's to another 62 years! Thanks to you and Taylor for your many kindnesses to us.

Thank you all. You're wonderful.

There are a lot of posts about this. Here's one: http://www.bogleheads.org/forum/viewtopic.php?t=35550#p442179
A search on "Medigap" will turn up others.

Sigh, another reason I stay with Bank of America as another poster has said--reliable Medallion guarantees. Both of the credit unions I'm aware of offer Medallion Signature Guarantees. Best wishes! Can you name them please? I'm lucky that I live in near a city that actually has a brick and mortar A...

Nonnie wrote: Sigh, another reason I stay with Bank of America as another poster has said--reliable Medallion guarantees.

Both of the credit unions I'm aware of offer Medallion Signature Guarantees.

Best wishes!

I went to the Wiki and saw this: Purchase With Your IRS Tax Refund You can purchase an additional $5,000 in paper I Bonds per Social Security number using your IRS tax refund. The bonds are purchased in denominations of $50, $75, $100, $200, $500, $1,000, and $5,000. Nothing about per return, so I w...

You can buy $5K of paper I Bonds per person with your tax refund. Kevin Are you sure it's $5k per person ? I thought it was $5k per tax return? Per person makes more sense. I've already made one etra $5k estimated tax payment. I wonder: Am I in time to make another $5k estimated tax payment before ...

You did the right thing. And, even if a store employee ended up pocketing the money, I figure they need the money more than I do, anyway. I think I'd have tried to find out who had been in front of me - what did the person look like? - and looked for them in the parking lot. Now, if I were really up...

Note that California law requires Medigap carriers to allow you to change to another Medigap carrier's plan of equal or lesser value, without going through underwriting. So, for example, if you have USAA Plan F, you can switch to Mutual of Omaha Plan F or any other lower-service plan that Mutual of ...

I've had experience with Mutual of Omaha and USAA. I like them both. USAA is cheaper, if you're eligible.

Does your job give you a 2 or 3 week vacation? if so, why not go to Paris then? And I don't think you need to spend anything like $6k, or even $4k, for the trip. Check for less expensive hotels and food. They are readily available. Get beyond the touristy areas and you'll find lots of enjoyable barg...