Search found 969 matches

by AAA
Sun Jul 15, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 922

Re: Health insurance gap

Prepare paperwork for Cobra but do not send in. Son has up to sixty days to apply for Cobra, so he can apply up to October 12, as October 14 is a Sunday. If after two weeks, if no medical care is needed son does not pay for Cobra or send in paperwork. If medical care is necessary (and costs more th...
by AAA
Sun Jul 15, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 922

Re: Health insurance gap

So I was looking to cover the gap period (Aug 15 -Sept 30). Like you I contacted healthcare.gov and heard what you did - they will only start the policy on the 1st of a month. Just to clarify - I was not expecting healthcare.gov to just cover the gap period. We would gladly pay for all of August in...
by AAA
Sun Jul 15, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 922

Re: Health insurance gap

Regarding healthcare.gov, I had talked with two reps about my son's situation and they both told me he could apply by July 15 for August coverage. He went ahead and submitted the application online but it put a Sept 1 start date. He called twice and each time was told that he couldn't start in Augus...
by AAA
Sat Jul 14, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 922

Health insurance gap

We haven't been getting reliable information from various sources so I thought I'd ask here also. My son will have a gap in insurance from mid-August to Sept 1, i.e. two weeks, as he is changing schools. healthcare.gov is not available as he has coverage for part of August. Current insurer said COBR...
by AAA
Sat Jul 14, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7164

Re: Be Careful Using Mailboxes

It's recommended to use a gel pen when writing checks. Hadn’t heard this before. Does the gel ink not wash out? I've read this several places, for instance here: http://www.ckfraud.org/washing.html From the last paragraph: WHAT TYPE OF PEN TO USE WHEN WRITING A CHECK: If you are a ballpoint pen lov...
by AAA
Fri Jul 13, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7164

Re: Be Careful Using Mailboxes

It's recommended to use a gel pen when writing checks.
by AAA
Thu Jul 12, 2018 12:50 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 625

Re: Forum is logging me out again

Thanks for all the suggestions. So far, this episode of being logged out is not as bad as a few months ago when it was pretty much a daily occurrence.
by AAA
Thu Jul 12, 2018 8:29 am
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 625

Re: Forum is logging me out again

Safari is up to date but I am still in MacOS Sierra. I usually like to stay a bit behind until all the bugs are worked out.
by AAA
Wed Jul 11, 2018 9:34 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 625

Re: Forum is logging me out again

LadyGeek wrote:
Wed Jul 11, 2018 7:10 pm
Do you have more than one browser window open, perhaps one "normal" window and one for private browsing? Your browser has a set of cookies for each mode (normal and private).
I use multiple tabs (in Safari) but not multiple windows, and I don't use private browsing.
by AAA
Wed Jul 11, 2018 5:29 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 625

Re: Forum is logging me out again

Are you clearing your History/Cookies/Cache upon closing the browser or manually? If you clear or do not save cookies (setting), then it will not remember your settings. So I made sure not to clear anything out and the forum kept me logged in for about a week until I had to log in yesterday. Today ...
by AAA
Tue Jul 10, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund
Replies: 12
Views: 918

Re: Stable Value Fund

Stable value funds are only available in qualified retirement plans such as 401K's, although I never really understood why there was such a limitation. Not so. TIAA offers their stable value fund in their traditional and Roth IRAs. It is completely liquid, but pays less than it does in a employer r...
by AAA
Tue Jul 10, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund
Replies: 12
Views: 918

Re: Stable Value Fund

Stable value funds are only available in qualified retirement plans such as 401K's, although I never really understood why there was such a limitation.
by AAA
Sat Jul 07, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2389

Re: E- Billing & Autopay

The mail delivery in my area has been spotty at times, with us getting a neighbor's letter and I assume something of ours going to someone else, so we use e-billing as well as autopay whenever available without a fee. Our Verizon bill for t.v., phone and internet can be paid with a credit card, but ...
by AAA
Fri Jul 06, 2018 12:05 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 625

Re: Forum is logging me out again

bloom2708 wrote:
Fri Jul 06, 2018 9:57 am
Are you clearing your History/Cookies/Cache upon closing the browser or manually?

If you clear or do not save cookies (setting), then it will not remember your settings.
That could be it. I'll investigate. Thanks.
by AAA
Fri Jul 06, 2018 9:45 am
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 625

Forum is logging me out again

In the past, I had an issue with having to log in to the forum almost every day (despite checking the box to be kept logged in). I use Safari on a Mac with up to date software. There didn't seem to be any solution to this at the time, but then, possibly after a forum software update a few months ago...
by AAA
Fri Jul 06, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8689

Re: What I spent in 6 months on medicare

yosh99 wrote:
Thu Jul 05, 2018 6:16 pm
And Medicare does not cover dental or vision expenses.
My Medicare Advantage plan ($77/month) includes some coverage for these.
by AAA
Thu Jun 28, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2047

Re: AOL - update to terms of service

But after the third ISP (and email address) change, I got a domain. Anyone I cared to hear from got the new address and that hasn't and won't change again. Take the plunge, you'll be glad you do. Can you elaborate? Some entity must be hosting (probably not the right term) your domain name and provi...
by AAA
Thu Jun 28, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2047

Re: AOL - update to terms of service

Protonmail is a step beyond that in privacy: https://protonmail.com/security-details but as I mentioned I abandoned it because it was inconvenient for me. Thanks for the clarification. Can you elaborate on what the inconvenience was with Protonmail? As an aside rant, I've tried several times to get...
by AAA
Thu Jun 28, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2047

Re: AOL - update to terms of service

As far as I know, there is no email provider anywhere that does not possess the ability to read your emails. And according to Nolo , there is a law that allows your ISP to read emails once stored on their servers: Are you saying AOL Mail's new terms of service are standard for all email providers?
by AAA
Wed Jun 27, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2047

Re: AOL - update to terms of service

bac wrote:
Wed Jun 27, 2018 6:00 pm
Though I have AOL, Yahoo, Gmail and Outlook accounts, I have my own domain ($10/year) hosted at Tuffmail.com ($21/year) and use it for 95 percent of my email.
And you're sure their terms of service don't allow them to read your emails?
by AAA
Wed Jun 27, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2047

AOL - update to terms of service

I had been using Verizon email. After they got out of that service, I migrated to AOL Mail (now owned by Verizon), which let us continue to use our ****@verizon.net email address. We are getting a notice of an update to the terms of service and privacy policy of the entity called Oath, which is a co...
by AAA
Thu Jun 21, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 27
Views: 2262

Re: Paper tax return filed at deadline - still no refund 7 weeks later

jacoavlu wrote:
Thu Jun 07, 2018 9:26 pm
I did my taxes with TurboTax but my return required a form unsupported by TurboTax so I had to print and file by mail, which I did at the deadline.
I would imagine that "at the deadline" the IRS gets swamped with returns, leading to a big backlog. So 7 weeks doesn't sound too unusual.
by AAA
Tue Jun 19, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Carpet Installers- Tipping?
Replies: 22
Views: 1640

Re: Carpet Installers- Tipping?

This type of question has been asked before and, as expected, there are a range of responses from no, it's their job and they are already getting paid, to yes, they did a good job, were courteous and probably don't make a lot of money so why not make their day a little brighter.
by AAA
Mon Jun 18, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8390

Re: Which Supermarket are you?

Luis94r wrote:
Sun Jun 17, 2018 9:55 am
Do you believe in the Organic hype and only shop at Whole Foods or do you go to Trader Joes for the cheaper alternative?
I don't believe in the "pesticides are good for you" hype.
by AAA
Mon Jun 18, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8390

Re: Which Supermarket are you?

What supermarkets do you Boggleheads go to and do most of your grocery shopping. Do you believe in the Organic hype and only shop at Whole Foods or do you go to Trader Joes for the cheaper alternative? Traders has a lot of organic items also, so it's not necessarily one or the other in that regard....
by AAA
Fri Jun 15, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 48
Views: 2952

Re: Question for those who used 529 plans

Leesbro63 wrote:
Fri Jun 15, 2018 12:30 pm
This HAS to be the Pa 529 Guaranteed Savings Plan.
Correct. Are there no other state plans like this now, or is PA the only one to have imposed a premium?
by AAA
Fri Jun 15, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 48
Views: 2952

Re: Question for those who used 529 plans

We used our state's guaranteed savings plan in which you buy a number of credits at today's price and they promise to have those number of credits available to you later on. I think we actually did well, although I'm not sure of any specific numbers, because we put in our investment in a lump sum ea...
by AAA
Mon May 14, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 60
Views: 16126

Re: Stopping unwanted "junk" newspaper

Our experience is that they stopped delivery when we asked.
by AAA
Tue May 08, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm Social Security strategy
Replies: 14
Views: 2175

Re: Please confirm Social Security strategy

Thanks all. Just wanted to make sure.
by AAA
Tue May 08, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare enrollment-Part B only
Replies: 10
Views: 718

Re: Medicare enrollment-Part B only

I also got many phone calls. And even about 6 people who came to the door of the house (I was never around for those but I assume they were paid by commission by someone). We're getting phone calls and at least one person came to the door that we know about. It's disturbing how many entities know t...
by AAA
Tue May 08, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm Social Security strategy
Replies: 14
Views: 2175

Re: Please confirm Social Security strategy

Austintatious wrote:
Tue May 08, 2018 3:25 pm
DW's birthdate?
1953
by AAA
Tue May 08, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm Social Security strategy
Replies: 14
Views: 2175

Please confirm Social Security strategy

I started collecting at full retirement age. Spouse is one year away from full retirement age and has not started collecting yet. Her monthly amount at full retirement age is just about exactly half mine. I'd appreciate confirmation of what we plan to do. My understanding is that spouse is grandfath...
by AAA
Tue May 08, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare enrollment-Part B only
Replies: 10
Views: 718

Re: Medicare enrollment-Part B only

The mystery of that postcard was not solved. I am positive it was from the CMS and not some sort of phishing spam. I don't know what form you received, but my spouse is nearing Medicare age and almost daily we get mailings from insurance companies, not Medicare. And we're more the "face to face" ty...
by AAA
Sun May 06, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax not allowed to consider Qualified Dividends?
Replies: 15
Views: 1146

Re: Estimated Tax not allowed to consider Qualified Dividends?

dbr wrote:
Sun May 06, 2018 12:30 pm
Yes, but you could cover it by having withholding taken out. In fact withholding applies for the whole year whenever taken out, so some people just take RMD at year end and even up the tax bill by setting withholding then.
Bogleheads.org strikes again. Thanks for that info. I didn't know that.
by AAA
Sun May 06, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4720

Re: AMC Movie Theaters -- typical OR not?

I haven't gone to a movie theater in years. I got fed up with people thinking they should be able to talk whenever they want.
by AAA
Sun May 06, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax not allowed to consider Qualified Dividends?
Replies: 15
Views: 1146

Re: Estimated Tax not allowed to consider Qualified Dividends?

lstone19 wrote:
Sun May 06, 2018 8:07 am
Note that for estimated payments, date of payment is considered - you can’t just pay it all late in the year.
If you receive a required minimum distribution from an IRA or 401K in December, are you required to have paid estimated tax earlier in the year to cover it?
by AAA
Sat May 05, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about funds held in brokerage accounts
Replies: 11
Views: 924

Re: Questions about funds held in brokerage accounts

I have had front row seats to the collapse of 2 different brokers, one small, one large. Clients were not affected. I can think of only 1 case in the past 40 years where the collapse of a broker has directly lost the clients money. I have worked in operations, this is heavily controlled. Not on my ...
by AAA
Sat May 05, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Questions about funds held in brokerage accounts
Replies: 11
Views: 924

Re: Questions about funds held in brokerage accounts

In both cases the broker needs to keep a set of records off site on who owns what. I can't think of a case in the past 40 years where a brokerage firm has collapsed, the records where lost, and clients got defrauded. There is a robust auditing of operational practices. So what I'm gathering is that...
by AAA
Fri May 04, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about funds held in brokerage accounts
Replies: 11
Views: 924

Re: Questions about funds held in brokerage accounts

Nate79 wrote:
Fri May 04, 2018 2:55 pm
This page from the SEC might help a little.

https://www.sec.gov/reportspubs/investo ... echtm.html
From that link I assume Fidelity, Vanguard etc. use "Street Name" registration.
by AAA
Fri May 04, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about funds held in brokerage accounts
Replies: 11
Views: 924

Re: Questions about funds held in brokerage accounts

So if you purchase shares in a mutual fund, does the fund have a separate record that you are an owner, or does the brokerage own a block of shares and it keeps the record of how many shares each person owns? Yes, both ways. It depends on the networking agreement between the mutual fund and the bro...
by AAA
Fri May 04, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about funds held in brokerage accounts
Replies: 11
Views: 924

Questions about funds held in brokerage accounts

There are periodic threads here questioning the wisdom of keeping all of one’s nest egg with one brokerage such as Vanguard or Fidelity, with concerns about employee sabotage, computer meltdown, hacking, etc. The arguments for and against have been presented many times, including discussion of SIPC ...
by AAA
Wed May 02, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: How much is too much in a Fidelity or VG account?
Replies: 24
Views: 4807

Re: How much is too much in a Fidelity or VG account?

I truly would not worry about this. You are not investing “in” Fidelity, but “through” Fidelity (with Fidelity simply being the vehicle (broker) through which you are acquiring the individual index funds and treasuries). This is not like having money in the bank in excess of FDIC insurance limits a...
by AAA
Mon Apr 30, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 57
Views: 8693

Re: Schwab Vs Fidelity Vs Vanguard

I've been comparing these three brokerages recently as I'm considering not putting all my eggs in one Vanguard basket. (Brokerage diversity is the subject of many Bogleheads threads so please let's not get into that here). What I notice is that, yes, they all have low cost stock index funds with ver...
by AAA
Thu Apr 26, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 62
Views: 7609

Re: Brokered CDs - often better return secondary market

For a market discount, you can either accrue it annually or report it in the year of maturity, but either way it counts as ordinary income. Thanks for your response and I think I'm getting the main points. Let's focus on a CD bought at discount in a taxable account and held until maturity. If one c...
by AAA
Wed Apr 25, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 62
Views: 7609

Re: Brokered CDs - often better return secondary market

In a taxable account you accrue the discount or premium in calculating tax on your coupon interest, but this isn't really a factor in your before-tax return, which again is driven mainly by the initial yield. I think I understand the first part of your post - the YTM takes account of the loss or ga...
by AAA
Tue Apr 24, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Brokered CDs - often better return secondary market
Replies: 62
Views: 7609

Re: Brokered CDs - often better return secondary market

If you buy a secondary market CD below/above par, is there a capital gain/loss when it matures? If so, then I assume this should be an additional consideration above and beyond yield-to-maturity.
by AAA
Mon Apr 23, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Identity Theft and Minors
Replies: 5
Views: 465

Re: Identity Theft and Minors

A few years ago we set out to freeze the credit bureau files of one of our kids. Two out of three bureaus did so, but the other bureau said there was no file yet to freeze so nothing could be done.
by AAA
Sat Apr 21, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: How much is too much in a Fidelity or VG account?
Replies: 24
Views: 4807

Re: How much is too much in a Fidelity or VG account?

Lets say the probability of a catastrophic brokerage failure wherein one loses everything is p, which is very small. If you divide your assets between two brokerages, the probability of both failing is p 2 , where p 2 < p. But on the other hand the probability of one or the other brokerage failing i...
by AAA
Fri Apr 20, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: How much is too much in a Fidelity or VG account?
Replies: 24
Views: 4807

Re: How much is too much in a Fidelity or VG account?

Ok, I'll bite. Companies like Fidelity have very robust disaster recovery plans in place. Id' expect this to include among other things multiple backup's as well as offsite location(s) that can be brought up relatively quickly to operate in place of their traditional IT center(s). Failing all that,...