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Re: Hedge Mortgage Interest Rates

technovelist wrote:Can you short the long bond at Vanguard?
(Note: I'm not recommending this...)


I don't believe Vangaurd allows shorting anything.
by bogleviewer
Thu Sep 11, 2014 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hedge Mortgage Interest Rates
Replies: 7
Views: 634

Hedge Mortgage Interest Rates

Is there a proper vehicle to hedge against mortgage rates increasing that Vanguard offers? For example, if mortgage rates go from 4% average to 5% average the value of the vehicle would increase. I realize that mortgage rates are tied to 10 year bond yield, but not familiar enough with Vanguard offe...
by bogleviewer
Thu Sep 11, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hedge Mortgage Interest Rates
Replies: 7
Views: 634

Texas - Recommendation Where To Live

A long time friend of mine is looking to move from Utah to Texas. He is self employed (consulting) so he can basically work wherever he wants. I realize that many of you are veteran travelers as well as many Texans on here so maybe you can make some recommendations of places for him to look into Tex...
by bogleviewer
Sun Sep 07, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 56
Views: 2817

Possible mail scam?

So I just got a letter in the mail addressed to one of my businesses. It says it is from Microsoft Corporation, PO BOX 12049, Atlanta, GA 30355. It lists an account number that means nothing to me and "RE: Credit Balances/Accounts Receivable" "THIS IS NOT A BILL." In the body of ...
by bogleviewer
Thu Aug 28, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Possible mail scam?
Replies: 12
Views: 1524

Sick Building Syndrome (Electrical Pollution)

I want to run this through the board to get some comments, suggestions and potentially recommendations. A branch location of my work makes me ill. I go there and within a hour my stomach feels funny, I am irritable and on my drive when I leave I yawn, yawn, yawn all the way to my next destination (a...
by bogleviewer
Wed Aug 27, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 1376

Re: Mortgage financing question

There is no such thing as a "certifiable close date". Anyone that tells you an exact date of closing without a full application is simply trying to tell you what you want to hear to get the mortgage application back where you feel more compelled to do business with him/her. A close date wi...
by bogleviewer
Sun Jul 13, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mortgage financing question
Replies: 5
Views: 786

Insurance premiums for renewals versus current

I'm wondering what others see when it comes to insurance renewals and the renewal premium versus the current premium and past premiums. My Home Owners has been with Amica for 6 years. Every year, without fail, 20% increase. I have had zero claims. I have shopped and USAA is cheaper, but it is only a...
by bogleviewer
Sun Jul 13, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance premiums for renewals versus current
Replies: 11
Views: 1093

Bye bye Health Equity HSA

Several years ago Health Equity was all the rage. Great customer service, awesome funds to choose from, etc. As time went on and as they grow exponentially they have become a money hungry machine. Their interest rates are terrible and they eliminated all of their low ER funds. I started looking arou...
by bogleviewer
Thu May 08, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Bye bye Health Equity HSA
Replies: 1
Views: 619

Allergies, why oh why?

It is allergy season where I'm currently at and it is driving me crazy. Ever since I was a kid I recall every spring and throughout the summer having one of more of the following at any given time: stuffy nose runny nose itchy nose itchy eyes back of throat itch overall beatup feeling across entire ...
by bogleviewer
Tue May 06, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Allergies, why oh why?
Replies: 3
Views: 545

One Penny Tax Refund

For the first time I did direct deposit for my tax refund. Just the other day I received it into my bank account. The amount received was ONE PENNY less than the refund amount on line 74a of 1040. So for example, if the refund as per 74a was $1,000.00 then the received tax refund was $999.99. Anyone...
by bogleviewer
Sat Apr 26, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: One Penny Tax Refund
Replies: 8
Views: 1622

Re: Yet another Turbo Tax issue re: HSA

Any ideas, comments, suggestions?
by bogleviewer
Mon Apr 14, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Yet another Turbo Tax issue re: HSA
Replies: 1
Views: 365

Re: paper ibonds from tax refund

runner9 wrote:Based on your post from 2 minutes prior this one you're still working on your taxes. If so, why is this an issue? Do you not know where you'll be living in several weeks right now?


Yes, still working on taxes, but I know I'll get a refund hence the question about the ibonds.
by bogleviewer
Mon Apr 14, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: paper ibonds from tax refund
Replies: 4
Views: 505

paper ibonds from tax refund

Does anyone know if the paper ibonds that are sent out through the personal income tax refund, whether or not they will forward if you have a USPS forward on the delivery address? I realize some (I believe pre-sorted and some stamped "do not forward") mail will NOT forward, and just wonder...
by bogleviewer
Sun Apr 13, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: paper ibonds from tax refund
Replies: 4
Views: 505

Yet another Turbo Tax issue re: HSA

I could be wrong, but I think I'm right :) Using Turbo Tax Deluxe to do my personal tax return. In 2013 between my spouse and I we contributed $6500 into HSA (we had separate HSAs). Up until November we both had individual separate high deductible plans. November forward we had a family plan. My und...
by bogleviewer
Sun Apr 13, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another Turbo Tax issue re: HSA
Replies: 1
Views: 365

M-2 AAA s-corp 1120S section required?

I have a s-corp (1120S) that had zero revenue (it is just a shell company for now as the majority of the assets were sold in 2012). Literally, top line revenue is $0.00. It also has less than $250k in assets and based upon this criteria Schedule L (balance sheet) and M-1 are not required on the 1120...
by bogleviewer
Sun Mar 09, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: M-2 AAA s-corp 1120S section required?
Replies: 3
Views: 304

Turbo Tax - Still read irs instructions!

Turbo Tax is a great product and is my favorite consumer grade tax software. However, regardless of what software you use, it is always wise to be educated on the tax form instructions. My wife and I had individual HDHP coverage until November at which point we both converted over to a family plan f...
by bogleviewer
Thu Feb 13, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - Still read irs instructions!
Replies: 0
Views: 284

Re: HVAC units - hard to comparison shop

My understanding it is that it does both heat and air conditioning. And yes, you are correct, it does both. http://www.youtube.com/watch?v=14MmsNPtn6U I decided not to edit my original post so that it kept the feeling that I'm not a HVAC guy.... but right after I posted it I watched THAT EXACT SAME...
by bogleviewer
Sun Feb 09, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: HVAC units - hard to comparison shop
Replies: 14
Views: 1214

HVAC units - hard to comparison shop

I have a 12 year old Trane XE 1100 "high efficiency weathertron heat pump" for a 2000 sq house in the desert. It is a 4 ton 48,000 BTUH unit. My understanding it is that it does both heat and air conditioning. The other morning outside the house where the unit is at I heard a loud "sw...
by bogleviewer
Sun Feb 09, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: HVAC units - hard to comparison shop
Replies: 14
Views: 1214

Re: $10+ M, age 49, seeking wisdom regarding retirement

Life is toooooooooooooo short to be unsatisfied with work. A few years back I started getting bored with the business that I started and ran for many years. It was very profitable but it was not producing the stimulation that I got when I first started it. I eventually sold it to someone that was lo...
by bogleviewer
Wed Feb 05, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: $10+ M, age 49, seeking wisdom regarding retirement
Replies: 58
Views: 8136

Re: Download your "paperless statements" frequently

Can't you make an exception on this, seems a little ridiculous to immediately purge my online electronic statements data." Just curious, is it possible to re-open the account and re-gain access to the statements? Just sent them a "secure message". We shall see, didn't even think abou...
by bogleviewer
Tue Feb 04, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 6692

Re: Insurance [Deceiving Us] - Incorrect Marketing & Trainin

OP HERE Information from the state level Ombudsman office said that because the plan is self-funded that they are not bound by state insurance laws. She said that also since it is a political subdivision (school district) that they too may be exempt from ERISA federal laws. She recommended contacti...
by bogleviewer
Tue Feb 04, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1957

Re: Download your "paperless statements" frequently

Can't you make an exception on this, seems a little ridiculous to immediately purge my online electronic statements data." Just curious, is it possible to re-open the account and re-gain access to the statements? Just sent them a "secure message". We shall see, didn't even think abou...
by bogleviewer
Fri Jan 31, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 6692

Re: Download your "paperless statements" frequently

OP HERE Just got back from US Bank branch. Explained what happened and they didn't care one bit. I asked to speak with the manager who was sitting next to the teller at a little desk doing some type of reconciliation with physical checks. She didn't even look up and said "no, I can't waive the...
by bogleviewer
Fri Jan 31, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 6692

Re: Insurance [Deceiving Us] - Incorrect Marketing & Trainin

Frustrating is right! You were, apparently right -- from the beginning, but get the shaft anyway. So, based on this latest information (confirming your original understanding) that you could, indeed, have waited until Feb 1 - added the baby and only had the $2,500 deductible AND the baby's charges ...
by bogleviewer
Thu Jan 30, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1957

Re: Download your "paperless statements" frequently

vital15 wrote:Out of curiosity - why do you need to keep copies of monthly statements for all of your accounts?

To see where all of the money goes and comes from. Also potentially incase of a IRS inquiry if you need to prove something.
by bogleviewer
Thu Jan 30, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 6692

Re: Insurance [Deceiving Us] - Incorrect Marketing & Trainin

Frustrating is right! You were, apparently right -- from the beginning, but get the shaft anyway. So, based on this latest information (confirming your original understanding) that you could, indeed, have waited until Feb 1 - added the baby and only had the $2,500 deductible AND the baby's charges ...
by bogleviewer
Thu Jan 30, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1957

Re: Insurance [Deceiving Us] - Incorrect Marketing & Trainin

OP HERE I called the hospital billing department today. They confirmed that they sent the baby bill to the insurance company a little over a week after birth of baby (same day they sent the mommy hospital bill which got paid). They send this stuff electronically to the insurance provider. The hospi...
by bogleviewer
Wed Jan 29, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1957

Re: Insurance [Deceiving Us] - Incorrect Marketing & Trainin

Have you asked for and received an explanation of the charges from the claims department? And EOB (Explanation of Benefits)? If so, yes they post them online before mailing them out. They didn't pay for baby's hospital bill. This is the reason why we added the baby near the end of the 31 days becau...
by bogleviewer
Tue Jan 28, 2014 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1957

Re: Insurance Jerking Us Around - Incorrect Marketing & Trai

OP HERE Thank you for everyone's remarks. I have noticed a trend of people with the end outcome of essentially "you'll be wasting your time". Thus that is the big problem and why this is frustrating on my end. Lets face it, it is $2500. It isn't very much money. I would certainly exhaust ...
by bogleviewer
Tue Jan 28, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1957

Re: Insurance Jerking Us Around - Incorrect Marketing & Trai

I just do not see, in the summary of benefits clip that you posted anything referencing the 31 day period to add the baby. Indeed, it doesn't say anything about that nor does the other pages of the Summary of Benefits and Coverage. However, the purpose was to show the "Having a Baby" exam...
by bogleviewer
Tue Jan 28, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1957

Re: Insurance Jerking Us Around - Incorrect Marketing & Trai

Usually the baby is covered under the mother's plan for 12-48 hours while in the hospital. After leaving the hospital, the baby has to be added to the policy within the 30-day window, otherwise no claims will be paid and the baby will not be added to the policy. I do not know of any plans that cove...
by bogleviewer
Tue Jan 28, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1957

Insurance [Deceiving Us] - Incorrect Marketing & Training

This thread is to serve two purposes: 1) See how Bogleheads view the government mandated Summary of Benefits and Coverage (SBC) 2) What type of claim/action do we have in this case? 3) What would you do? Outline: Background What Happened Current Status Interpretation of Summary of Benefits and Cover...
by bogleviewer
Tue Jan 28, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1957

Download your "paperless statements" frequently

For those of you who opt for paperless statements from institutions here is a public service announcement: Download Them Frequently from your Institution. I have a routine of every January going into all of my accounts and downloading, month by month, the PDF statements. Credit cards, bank accounts,...
by bogleviewer
Tue Jan 28, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 6692

1065 Partnership - Depreciation and Amortization Recapture

2012 1065 tax return had form 4562 (Depreciation and Amortization) for the following: Section 179 for some furniture (about 1/4 of the furniture value) Amortization for Goodwill (about 1/20 of the Goodwill value) So my 2012 1065 tax return has some Section 179 and Amortization which the balance shee...
by bogleviewer
Sat Jan 25, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1065 Partnership - Depreciation and Amortization Recapture
Replies: 4
Views: 424

Re: Spare SUV vehicle - Snow Travel

I think we need some more data on your needs and plans to help you adequately. ....... Are you going to use your snow car for mostly town driving or for lots of going back and forth to some big ski resort and doing lots of road driving? My reasoning is that these are different needs. Indeed and sor...
by bogleviewer
Thu Jan 16, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spare SUV vehicle - Snow Travel
Replies: 26
Views: 1611

Spare SUV vehicle - Snow Travel

I'm looking for some recommendations for a vacation type spare vehicle that will be used for a few months of the year and sitting for most of the year. There is snow in the winter months where the vehicle will be so I'm looking at something with AWD/4WD, preferably all the time. Below is some criter...
by bogleviewer
Thu Jan 16, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spare SUV vehicle - Snow Travel
Replies: 26
Views: 1611

Payroll for self for Roth IRA?

I have a s-corp entity that, for the foreseeable future, will not have any revenue. I have a quarterly payroll reporting and other misc government reporting documents to send out and can close the accounts in these documents so that I don't have to worry about quarterly/annual reporting in 2014 (and...
by bogleviewer
Wed Jan 08, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payroll for self for Roth IRA?
Replies: 3
Views: 261

Primary and Secondary Insurance Claims

Some of you may have seen my other thread about hospital bills and negotiations. The quick rundown is that we had our first baby in November (yay!). Everything went well. I have 31 days to add baby to my plan and/or my wife's plan without underwriting and retroactively puts the baby on the policy to...
by bogleviewer
Mon Dec 23, 2013 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Primary and Secondary Insurance Claims
Replies: 0
Views: 180

Re: Medical Billing baby - Insurance/Self Pay, negotiations

UPDATE We just got the EOB (online, no paper yet) of some of Mommy's bills. What the hospital billed: $15,500 (roughly). Insurance company's discounted price: $8500 (45% discount) ANESTHETIST billed : $5,500. Insurance company's discounted price: $1,000 (82% discount) *Note there were also some line...
by bogleviewer
Sat Dec 21, 2013 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Billing baby - Insurance/Self Pay, negotiations
Replies: 6
Views: 968

Medical Billing baby - Insurance/Self Pay, negotiations

We had our first baby (yay!). Healthy beautiful full term baby. No complications during pregnancy, delivery or postpartum. We are very blessed and this child has made it into a wonderful loving home. The bills have just started rolling in. Wife and I both have high deductible insurance. Mommy's dedu...
by bogleviewer
Wed Dec 18, 2013 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical Billing baby - Insurance/Self Pay, negotiations
Replies: 6
Views: 968

Re: Checklist for the Arrival of a Baby

How about getting maximum amount of ibonds? Or can a newborn not participate for some reason?
by bogleviewer
Mon Dec 16, 2013 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checklist for the Arrival of a Baby
Replies: 22
Views: 1845

Re: Removing wisdom tooth - what do I need to know?

Go to an endodontist. They do this stuff day in and day out. Whether or not insurance pays for a pain management technique is something that I personally wouldn't care about..... I'm getting it. Is it really worth $100, $500, $1000 to be incredibly uncomfortable during an experience that you won't e...
by bogleviewer
Thu Dec 12, 2013 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Removing wisdom tooth - what do I need to know?
Replies: 27
Views: 1471

Re: HSA individual plan and family plan - one tax return

It is A, the family maximum. Rules for married people. If either spouse has family HDHP coverage, both spouses are treated as having family HDHP coverage. If each spouse has family coverage under a separate plan, the contribution limit for 2012 is $6,250. You must reduce the limit on contributions,...
by bogleviewer
Sat Dec 07, 2013 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA individual plan and family plan - one tax return
Replies: 7
Views: 612

Re: HSA individual plan and family plan - one tax return

Here is my take from IRS Publication 969. If you are an eligible individual (have an eligible HDHP plan), you can contribute to an HSA. If you are married, you can have an HSA if not covered on your spouse plan. Your children are eligible to be on an HDHP plan if not covered on another plan. If a s...
by bogleviewer
Fri Dec 06, 2013 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA individual plan and family plan - one tax return
Replies: 7
Views: 612

Re: Thoughts on having kids?

Depends on your belief of life, after life, etc. By not having children your posterity immediately ends. Oh now, I must take issue with this. Who among us knows anything substantive about our great great grandparents? I will venture to say that unless they were politicians, inventors, or criminals....
by bogleviewer
Wed Dec 04, 2013 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on having kids?
Replies: 101
Views: 3402

Re: Thoughts on having kids?

And just because you are childfree does not prevent you from getting a "kid fix" if you want one. Not completely true. A kid fix is much different than the joy and satisfaction of your own clothe. There is nothing comparable to being completely responsible for this child in your arms with...
by bogleviewer
Wed Dec 04, 2013 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on having kids?
Replies: 101
Views: 3402

HSA individual plan and family plan - one tax return

Tax return is: MFJ Spouse has HDHP plan through employer for all of 2013. I am NOT on her plan. I have a HDHP plan. For all of 2012 and up until the end of November 2013 it has been an individual plan. However, we recently had a baby and I have added the baby to my HDHP plan therefore making it now ...
by bogleviewer
Tue Dec 03, 2013 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA individual plan and family plan - one tax return
Replies: 7
Views: 612
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