Search found 546 matches

by AAA
Mon Jul 04, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3367

Re: Ever Feel Unworthy of Growing income?

edge wrote:...Health care is quite the rubix cube to solve. As far as I can tell if you want to pay less or have the govt run it, look forward to worse service.


Not so. We have the most expensive health care system in the developed world and by most objective criteria the worst outcomes.
by AAA
Mon Jul 04, 2016 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3367

Re: Ever Feel Unworthy of Growing income?

People get paid for various things: 1) Hard work 2) Unpleasant work 3) Risky work 4) Long periods of education 5) Having rare skills 6) Being in a field where money is plentiful (i.e. health care, finance etc rather than government work in a poor county) 7) Being smart enough to see opportunity You...
by AAA
Sun Jul 03, 2016 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Why "business days" for ACH transfer
Replies: 16
Views: 1534

Re: Why "business days" for ACH transfer

Steelersfan wrote:
kenschmidt wrote:...and those overnight batch cycles don't run on week-ends or holidays at most banks, thus they don't count non-business days.


Is there human intervention involved in doing the batch cycle that would prevent them running on non-business days?
by AAA
Sun Jul 03, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Why "business days" for ACH transfer
Replies: 16
Views: 1534

Why "business days" for ACH transfer

Usually when doing an ACH transfer, the timing is quoted as something like "2 to 5 business days." Since ACH = Automated Clearing House, I assume the transfer is done computer-to-computer without human intervention. If so, why the distinction between business and non-business days? Do the ...
by AAA
Fri Jun 24, 2016 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gains Questions
Replies: 10
Views: 622

Re: Capital Gains Questions

livesoft wrote:Boglehead wiki article: https://www.bogleheads.org/wiki/Tax_gain_harvesting


Thanks. Wasn't aware of this article here.

And neither this nor the other link mentions anything about not qualifying if you are a dependent on someone else's return.
by AAA
Fri Jun 24, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gains Questions
Replies: 10
Views: 622

Re: Capital Gains Questions

Toons wrote:I refer to this article frequently to stay abreast of my knowledge on capital gains.
You may find it informative. :happy

https://www.kitces.com/blog/understandi ... -in-basis/


Thanks. That helped.
by AAA
Fri Jun 24, 2016 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gains Questions
Replies: 10
Views: 622

Re: Capital Gains Questions

That's a tough one without knowing more. Generally, You can't be a "qualifying relative" if you have more than 4K of income, and in most cases, you can't be a qualifying child unless under 24. There are some allowances for disability though. Are you implying that if you are a dependent on...
by AAA
Fri Jun 24, 2016 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Capital Gains Questions
Replies: 10
Views: 622

Re: Capital Gains Questions

Ok, thanks. So then other than the amount of the capital gain pushing you into a tax bracket where you'd have to pay tax on it, are there any reasons not to do this? We are past any kiddie tax considerations.

For instance, can you get the 0% rate if you are a dependent on someone else's tax return?
by AAA
Wed Jun 22, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Capital Gains Questions
Replies: 10
Views: 622

Capital Gains Questions

Been reading about how people in 0% long term capital gains tax bracket should take advantage of this if they have appreciated stock. This would pertain to one of my children who will be starting to earn a salary later this year so I have a couple of questions about this. 1. If you do sell a mutual ...
by AAA
Tue Jun 21, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Eletronic Delivery vs Mail [fund statements, tax forms]
Replies: 46
Views: 2292

Re: Eletronic Delivery vs Mail

I choose e-delivery whenever possible. The reason is that mail delivery has been spotty the past few years. I get too many of my neighbor's mail incorrectly put in my mailbox. Just last week I got a letter whose address had my house number but the name and street were not mine. I don't want personal...
by AAA
Sat Jun 11, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Dental insurance, dental plans or pay as you go?
Replies: 41
Views: 3091

Re: Dental insurance, dental plans or pay as you go?

My Medicare Advantage plan includes once a year cleaning and checkup. I looked into the dental plans and they covered 2x a year cleaning and checkup, and the amount I'd pay in premiums would pretty much cover the cost of the second cleaning and checkup w/o insurance. As for the other coverages, they...
by AAA
Sat Jun 04, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: FASFA Questions [Free Application for Federal Student Aid]
Replies: 9
Views: 646

FASFA Questions [Free Application for Federal Student Aid]

My daughter's school offered her a small fixed amount scholarship for the first term. As a requirement for receiving the scholarship, she must complete the FASFA (from which we don't expect any further aid). I am just curious as to why they are making her do that as the scholarship was already award...
by AAA
Fri Jun 03, 2016 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: What is "Money market settlement fund" on Sign-Up screen?
Replies: 23
Views: 14326

Re: What is "Money market settlement fund" on Sign-Up screen?

From Vanguard's website:"Beginning later in 2016, Vanguard Federal Money Market Fund will be the only money market fund you can use to settle brokerage trades."

So why aren't they offering the choice of that fund as the settlement fund now?
by AAA
Wed Jun 01, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: 3-Day Weekend: Monday vs. Friday?
Replies: 47
Views: 3226

Re: 3-Day Weekend: Monday vs. Friday?

That's funny you should ask. Toward the end of my working days I'd take off most Mondays. My thought was that on Friday I had a 3 day weekend to look forward to and when I returned to work it was only a 4 day week. Of course, logically, taking Fridays off would have the same advantages. But there wa...
by AAA
Tue May 31, 2016 9:05 am
Forum: Investing - Help with Personal Investments
Topic: 529 set up by uncle or grandparent & fin aid
Replies: 43
Views: 2290

Re: 529 set up by uncle or grandparent & fin aid

Ok, it sounds like this should be my plan: 1. Leave the 529 I set up in my name. 2. Have my mother (the kids' grandmother) leave her 529 in her own name. It's been a while since I was involved with this, but, at least at that time, I found out that if, say, a grandparent sets up a custodial account...
by AAA
Fri May 27, 2016 8:21 pm
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 30
Views: 2427

Re: Staying Logged In

Pages are cached so seeing your name may not be indicative. Wonder if you can completely remove all bogleheads.org cookies, then reauthenticate. Perhaps there's a bad cookie? I periodically will clear out the browser - the problem does not seem to be related to the cookies. Can an administrator ple...
by AAA
Thu May 26, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 36
Views: 3411

Re: Vanguard Account Upgrade BROKEN; wrong MMF

There's some truth to the saying "if it ain't broke, don't fix it." Having done some programming for instrumentation and always being concerned about unintended consequences of any changes made, I can't imagine having the responsibility to implement the changes Vanguard is undertaking when...
by AAA
Thu May 26, 2016 7:57 am
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 30
Views: 2427

Re: Staying Logged In

To test for this, go to Google and type "what's my IP". Jot down the number. Repeat every morning. If it keeps changing, then that would be a very plausible explanation for the issue. I monitored my IP address and it hasn't changed over the last 5 days. I remained logged in until this mor...
by AAA
Tue May 24, 2016 11:15 am
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 30
Views: 2427

Re: Staying Logged In

I haven't had this problem,but Good God,people, if this is happening, just log in when you want to go to the site. If its value to you is less than that, then don't visit. Life is too short to obsess about small things like having to log in when you go to the site. Flame off. But apparently not too...
by AAA
Sun May 22, 2016 2:19 pm
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 30
Views: 2427

Re: Staying Logged In

As I mentioned, I do all the suggested things (https, not deleting cookies etc.) I will check out the IP address suggestions.
by AAA
Sun May 22, 2016 9:55 am
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 30
Views: 2427

Staying Logged In

Despite following all the advice given by administrators, entering my credentials and clicking "Remember me" does not keep me logged in for more than a day or so. I'm using Safari on a Mac, OS 10.10.5 When I went to the website today, it showed my username in the upper right hand corner, i...
by AAA
Sun May 22, 2016 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Vg Prime MM Fund vs. VG Ultra ST Bond Fund
Replies: 23
Views: 1753

Re: Vg Prime MM Fund vs. VG Ultra ST Bond Fund

I do not have any recent stories but do remember a few decades ago, when I was little less financially suave, that I took the word of a banking representative that his institution was in fine shape and the reason that they paid higher interest rates was because they could afford to with their optim...
by AAA
Sun May 22, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1553

Re: Pride in no inheritance to kids?

Does this mean you are going to work longer for the express purpose of increasing their inheritance. I ask because unless the inheritance is in a separate account(s) you don't touch or consider I don't really see the difference in this and just leaving the kids whatever is left over. I'm not sure w...
by AAA
Sat May 21, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Rollover - silly concern
Replies: 27
Views: 1958

Re: Rollover - silly concern

Odd that Fidelity won't do a direct transfer. I moved some of my 401K from Merrill Lynch to Vanguard last year and never touched a check.
by AAA
Thu May 19, 2016 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 1553

Re: Pride in no inheritance to kids?

scienceguy wrote:I think alot about saving money for the express purpose of leaving them as much money as possible when my wife and I are gone.


I'm on your side. Of course "as much money as possible" does not mean depriving ourselves of some enjoyable things, as I am sure you meant.
by AAA
Wed May 18, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 4392

Re: $750 repair or buy new

Am I reading this correctly that the net cost to you to get a new laptop is $600? $1,600 less the $1,000 you'd get from selling it on Craigslist. I think he would have to have it repaired first before he could get the $1,000 from selling it. Cody: You said "they say I spilled some liquid."...
by AAA
Tue May 17, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: Documentation requested for rental
Replies: 3
Views: 486

Documentation requested for rental

Later this year we may in the position to have to co-sign a lease. As someone who tries to be very careful with personal information, I am already dreading what may happen once it is in the probably not-well-protected computer system of some small rental office. I understand that they will want to d...
by AAA
Tue May 17, 2016 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Some HSA Questions
Replies: 2
Views: 535

Some HSA Questions

Say you and one of your children are on a high deductible plan. For 2016, the HSA contribution limits with catch-up are $7,750 and $4,350 for family and individual plans. 1. If the child will be going off of the plan Sept 1, would you calculate the maximum contribution for 2016 as 8/12 times $7,750 ...
by AAA
Mon May 16, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2292

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

Aside from energy considerations, isn't a sleeping computer less prone to hacking?
by AAA
Fri May 13, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Happy with Barclays savings account?
Replies: 49
Views: 16145

Re: Happy with Barclays savings account?

Manually type in barclays.com and then enter in your username and password. Wouldn't it be better to have barclay.com as a favorite/bookmark that you know is legitimate? Then you don't have to type it in each time with the possibility of a misspelling. EDIT - Ha, I did it myself by not including th...
by AAA
Sun May 08, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Any concern over money in Barclays bank?
Replies: 15
Views: 1560

Re: Any concern over money in Barclays bank?

I'm not concerned from a safety point of view - I've had several Vanguard brokered CD's from banks that failed and the funds were promptly placed in my account. It's maybe just a matter of convenience - if a bank fails and you get your funds you then have to reinvest them somewhere else.
by AAA
Fri May 06, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4535

Re: Do you check credit card statements?

What if their computer system has the charges all correct but does the arithmetic wrong? We all chose a boundary of trust. I once was trying to reconcile my monthly checking account statement from the bank and no matter how many times I did the math I couldn't get my balance to agree with the balan...
by AAA
Fri May 06, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4535

Re: Do you check credit card statements?

whodidntante wrote:I setup email notifications for each charge, and I check my email often. I find this easier than a manual check each month.


But what about a charge that shows up in error on your statement but wasn't sent as a notification? :?
by AAA
Thu May 05, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4535

Re: Do you check credit card statements?

surfstar wrote:Why? $0 fraud liability is still $0, whether they charged $1.21 or $12,100


But how would you know a fraud was committed unless you check the statement?
by AAA
Thu May 05, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4535

Do you check credit card statements?

We've been doing this for years. We sit down with the statement and a pile of receipts and check them off one by one. Over the years we've found a couple of issues. For example, there was a double billing for a gas station charge, duplicate entries one right after the other. I always figured that ev...
by AAA
Mon May 02, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Medicare help!
Replies: 25
Views: 2744

Re: Medicare help!

When I was approaching that time, I looked through Medicare for Dummies and got a good overview of things. The free booklet from Medicare may be just as helpful. One thing I always tell people in your position is that there is no annual out of pocket limit in traditional Medicare, so look into a Med...
by AAA
Fri Apr 29, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Determining state residency
Replies: 5
Views: 609

Re: Determining state residency

Just to clarify - the person attending the out of state school is a dependent on my return. And this is not about qualifying for in-state tuition - there's an assistantship offer that includes that.
by AAA
Fri Apr 29, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 6100

Re: What's become of Consumer Reports?

I usually just bought the automobile issue but was disappointed when the format changed recently. Also, with regards to other items such as appliances and electronics, models would change every few months so that the recommended ones were often no longer available. You had to assume that models with...
by AAA
Fri Apr 29, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Determining state residency
Replies: 5
Views: 609

Determining state residency

The situation is - attendance at out of state graduate school starting this Fall. Doing 2016 taxes is a ways off, but we'd like to understand the situation at this time. Say A = current state of residence, B = state where school is located. So in 2016 there will be about four months living in state ...
by AAA
Wed Apr 27, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12804

Re: I Hate My Job: Politics at Work (Advice Needed)

Just to give the OP a little support here - from personal experience, it is very demoralizing to have someone else take credit for one's work. We are not at your workplace so we can't fully understand the politics in play. Just be guided by the fact that such things are not unique to there. As I men...
by AAA
Wed Apr 27, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12804

Re: I Hate My Job: Politics at Work (Advice Needed)

Rightly or wrongly, what you are experiencing is probably the norm. When I started my career, I was under a more senior person and he tended to portray whatever I did as a continuation of things he did in the past. While some overlap was unavoidable, as we were working in the same area, I felt it d...
by AAA
Tue Apr 26, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12804

Re: I Hate My Job: Politics at Work (Advice Needed)

Rightly or wrongly, what you are experiencing is probably the norm. When I started my career, I was under a more senior person and he tended to portray whatever I did as a continuation of things he did in the past. While some overlap was unavoidable, as we were working in the same area, I felt it di...
by AAA
Sun Apr 24, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 7118

Re: Thinking about Mac (vs Windows)

azurekep wrote:
Ged wrote:Thanksgiving and Christmas is the time to buy deeply discounted computers and I'll snag either a Mac or a Windows 7 machine then -- though even Win7 business machines may no longer be on the market by then.


How much longer will Microsoft continue to support Win7 ?
by AAA
Thu Apr 21, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Service to simplify brokerage statements for mom?
Replies: 12
Views: 1079

Re: Service to simplify brokerage statements for mom?

I inherited a small account at a full service broker and frankly found their statements to be confusing myself, what with all the +'s and -'s. Maybe your mom only needs/wants to see the summary page listing the individual positions and their value, plus the total value of the account.
by AAA
Thu Apr 21, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Dividend Taxation
Replies: 7
Views: 531

Re: Qualified Dividend Taxation

I was shocked a couple of years ago when I finished my taxes and as a test added $100 to my income in the tax program. My refund reduced by $50, an effective 50% marginal tax rate. This can happen if you are claiming certain tax credits or deductions and your income is in the range where those benef...
by AAA
Thu Apr 21, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1685

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

kwan2 wrote:1st quarter due date here is April 20th, so do I mail a late Voucher, or just use the next quarter's voucher? guess I can give them a call :)


I would think what's relevant is how much you send and when it is received, not the actual voucher you use or even if a voucher is used.
by AAA
Thu Apr 21, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Son was on spouse's enployer family plan health insurance,but ineligible soon- need input -
Replies: 24
Views: 2309

Re: Son was on spouse's enployer family plan health insurance,but ineligible soon- need input -

Some employer health insurance plans allow for continuation of coverage past age 26 for handicapped children. It would be worth at least asking about it.
by AAA
Wed Apr 20, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1685

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

I do that for PA. I just use the first of the four forms they send me each year and pay the full estimated amount with it. No one has complained.
by AAA
Fri Apr 15, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 4003

Re: Meeting with a Fidelity Financial planner, is it useful?

I recently transferred an inherited account I had at a full-service broker to Fidelity, to have a little diversification from Vanguard. When I first called to find out the procedure, I was surprised when the rep started asking me questions about my investment goals, assets, etc, which I politely dec...
by AAA
Mon Apr 11, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Sec Web Login
Replies: 7
Views: 770

Re: Social Sec Web Login

kenschmidt wrote:
HueyLD wrote:Call SSA for help.


Make sure you block off some time before you call as wait times often run 30-45 minutes and up.


True, but do they still offer to call you back at a later time? At least you don't have to stay on the line all that time.

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