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tIRA only hope?

Adjusted gross income for 2014 is > $200k Married filing jointly Only Roth IRA currently from previous years. No contributions in 2014. My understanding is that you can OPEN and FUND a traditional IRA as long as prior to tax filing deadline of April 15th. So 2014 you can open and fund traditional IR...
by bogleviewer
Mon Feb 02, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: tIRA only hope?
Replies: 7
Views: 423

Re: Yet another online banking thread

I use Ally and have never had a bad experience with them. Everything works great. One specific point to clear up though is that Ally does make images of checks you write available for download after processing. If your friends says they don't, have them, click on the blue check image in their accou...
by bogleviewer
Sun Jan 18, 2015 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another online banking thread
Replies: 11
Views: 809

Yet another online banking thread

I've narrowed down my search to Capital One 360 and Ally. Ally has better rates and seemingly better customer service. The only down side I see right now is that they only store 13 months worth of transactions and statements online. They also don't include check images on statements for you to downl...
by bogleviewer
Sun Jan 18, 2015 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another online banking thread
Replies: 11
Views: 809

Re: Insurance and Provider - Timely Filing

Sounds like "you snooze, you lose". The doctor was probably too busy delivering babies and not overseeing his $12/hr. billing staff. Another day in the doctor's life. He/She can fight the insurance company for the $ like they do every day. If you had to pay a portion of it anyway, I would...
by bogleviewer
Thu Jan 08, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance and Provider - Timely Filing
Replies: 9
Views: 492

Re: Mortgage application acceptance

Banks commonly will not refinance mortgages for better terms. I've asked several times and none would refi me. I have ald had brokers (not tied to any one bank) say that they would shop my refi with everyone except my present lender. What was their excuse when you called them? Sorry, we don't want ...
by bogleviewer
Thu Jan 08, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage application acceptance
Replies: 6
Views: 650

Re: Insurance and Provider - Timely Filing

I am confused. Is the $2000 charge a fee that would have been paid to the provider by the insurance company as part of the reduced-fee-for-service contract? Or, is the $2000 your portion of the deductible and copay? In other words, has the provider been paid anything for the services? Insurance com...
by bogleviewer
Thu Jan 08, 2015 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance and Provider - Timely Filing
Replies: 9
Views: 492

Re: Mortgage application acceptance

ResearchMed wrote:For clarity, I think you mean "refuse to accept an application".

Agreed, refuse would be a better term to use. I have edited the original post.
by bogleviewer
Thu Jan 08, 2015 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage application acceptance
Replies: 6
Views: 650

Insurance and Provider - Timely Filing

In late 2013 we had a baby. Health, beautiful and a bundle of joy. :) Fast forward a year and few months later and I get a bill in the mail for over $2000. I call the insurance company because we had met our deductible and they said that they did get billed by the provider but it was denied due to n...
by bogleviewer
Thu Jan 08, 2015 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance and Provider - Timely Filing
Replies: 9
Views: 492

Mortgage application acceptance

Is it legal for a mortgage company to refuse accepting an application from someone that wants to apply for a cashout refinance? A buddy of mine said that a mortgage company denied accepting an application. He was a previous client of said mortgage company and when he inquired wanting to do a cashout...
by bogleviewer
Thu Jan 08, 2015 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage application acceptance
Replies: 6
Views: 650

Hawaii inter island flights and condos

Doing some Hawaii traveling this Christmas season. We've always flown Hawaiian inter island but I assume that there has to be some cheaper alternatives. We are looking to go from OGG to HNL. Are there other options that are fun and fast (like a fairy)? Also, we normally stay in a timeshare but want ...
by bogleviewer
Mon Dec 15, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Hawaii inter island flights and condos
Replies: 7
Views: 1194

Re: Company Nominal Christmas Gifts

Does the IRS not have Christmas spirit? Apparently not.

LOL
by bogleviewer
Wed Dec 10, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Company Nominal Christmas Gifts
Replies: 6
Views: 462

Company Nominal Christmas Gifts

I wanted to run this by the board and get input on what you've seen or what you've done with your company. We are wanting to give nominal Christmas money or gifts to our hourly employees ranging between $200 minimum and $500 maximum (value or cash). Of course, as a company, we want to be able to wri...
by bogleviewer
Wed Dec 10, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Company Nominal Christmas Gifts
Replies: 6
Views: 462

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 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hedge Mortgage Interest Rates
Replies: 7
Views: 669

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 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hedge Mortgage Interest Rates
Replies: 7
Views: 669

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 10:14 am
 
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 56
Views: 3351

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 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Possible mail scam?
Replies: 12
Views: 1939

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 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 1545

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 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mortgage financing question
Replies: 5
Views: 791

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 3:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance premiums for renewals versus current
Replies: 11
Views: 1134

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 8:55 pm
 
Forum: Personal Consumer Issues
Topic: Bye bye Health Equity HSA
Replies: 1
Views: 768

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 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Allergies, why oh why?
Replies: 3
Views: 590

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 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: One Penny Tax Refund
Replies: 8
Views: 1675

Re: Yet another Turbo Tax issue re: HSA

Any ideas, comments, suggestions?
by bogleviewer
Mon Apr 14, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Yet another Turbo Tax issue re: HSA
Replies: 1
Views: 430

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 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: paper ibonds from tax refund
Replies: 4
Views: 513

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 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: paper ibonds from tax refund
Replies: 4
Views: 513

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 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another Turbo Tax issue re: HSA
Replies: 1
Views: 430

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 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: M-2 AAA s-corp 1120S section required?
Replies: 3
Views: 350

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 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - Still read irs instructions!
Replies: 0
Views: 297

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 7:37 pm
 
Forum: Personal Consumer Issues
Topic: HVAC units - hard to comparison shop
Replies: 14
Views: 1361

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 6:42 pm
 
Forum: Personal Consumer Issues
Topic: HVAC units - hard to comparison shop
Replies: 14
Views: 1361

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 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: $10+ M, age 49, seeking wisdom regarding retirement
Replies: 61
Views: 10379

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 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 10109

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 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1982

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 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 10109

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 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 10109

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 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1982

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 11:25 am
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 10109

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 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1982

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 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1982

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 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1982

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 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1982

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 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1982

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 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1982

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 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance [Deceiving Us] - Incorrect Marketing & Training
Replies: 28
Views: 1982

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 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Download your "paperless statements" frequently
Replies: 42
Views: 10109

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 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1065 Partnership - Depreciation and Amortization Recapture
Replies: 4
Views: 550

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 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spare SUV vehicle - Snow Travel
Replies: 26
Views: 1653
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