Search found 4129 matches

by HueyLD
Sun Jul 24, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Do Realtors Find FSBOs?
Replies: 27
Views: 2038

Re: Do Realtors Find FSBOs?

In my area, virtually all FSBO's include a 3% commission for the selling agent. In addition, the FSBO owner will receive many phone calls from real estate agents wanting to list his house.

In other words, real estate agents ain't gonna work for nothing!!
by HueyLD
Sun Jul 24, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: Confusion about Synchrony Bank Early Withdrawal Penalty
Replies: 21
Views: 2135

Re: Confusion about Synchrony Bank Early Withdrawal Penalty

For my local CU, the EWP is the GREATER of $20 or 30 days of interest for terms <= 122 days, or the GREATER of $35 or 90 days of interest for terms 123 days to 366 days, or the GREATER of $50 or 180 days of interest for terms > 1 year. No partial withdrawals are allowed. Interest is accrued daily an...
by HueyLD
Sat Jul 23, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: Confusion about Synchrony Bank Early Withdrawal Penalty
Replies: 21
Views: 2135

Re: Confusion about Synchrony Bank Early Withdrawal Penalty

Kevin M wrote:It's getting tough to find a 5-year CD with a competitive rate and an EWP of less than 360/365 days of interest.

My local credit union still has 90 days EWP for up to one year CD and 180 days EWP for all other maturities. The CU does not offer CDs outside of its local field of membership.
by HueyLD
Sat Jul 23, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: Confusion about Synchrony Bank Early Withdrawal Penalty
Replies: 21
Views: 2135

Re: Confusion about Synchrony Bank Early Withdrawal Penalty

rec7 wrote:Does anybody know what credit bureau Synchrony pulls?

By Phone
1-866-226-5638

To speak directly with a Banking Representative, please call Monday through Friday from 8 a.m. to 10 p.m. Eastern Time or Saturday from 8 a.m. to 5 p.m. Eastern Time.

https://www.synchronybank.com/banking/contact-us/
by HueyLD
Thu Jul 21, 2016 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA/open enrollment? confused about health insurance while leaving job
Replies: 2
Views: 311

Re: COBRA/open enrollment? confused about health insurance while leaving job

After talking with my HR and the insurance broker for my company, I was told that I should take COBRA coverage, and that voluntarily leaving my job does not allow me to go onto the market place to shop for a different (cheaper) plan. I left my previous job last August, and was told the same thing -...
by HueyLD
Thu Jul 21, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 44
Views: 2767

Re: Premium increase for federal employee long term care insurance

Not a fed employee, but I have seen plenty of problems with LTCs among the older population. It appears to be a program where nobody wins. Insurance companies didn't know how to price the product for years and they suffered the consequence. Older people on fixed income were forced to cancel their LT...
by HueyLD
Thu Jul 21, 2016 9:37 am
Forum: Investing - Help with Personal Investments
Topic: convert savings bonds after death
Replies: 10
Views: 672

Re: convert savings bonds after death

How many EE bonds do you have - both in dollar amount and number of bonds? As OnTrack indicated, you will get next to no interest if you cash in the EE bonds before 20 years. Is that what you want? I guess it depends on how much you have. If you do decide to cash in your bonds, make sure you get the...
by HueyLD
Thu Jul 21, 2016 7:47 am
Forum: Personal Finance (Not Investing)
Topic: How To Maximize Education Tax Credits
Replies: 4
Views: 399

Re: How To Maximize Education Tax Credits

Thanks for the additional comment of the 2% floor. Since the op said that (s)he had read the IRS pub, I assumed that (s)he knew about the 2% floor.
by HueyLD
Wed Jul 20, 2016 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: convert savings bonds after death
Replies: 10
Views: 672

Re: convert savings bonds after death

I guess the OP will need to tell us what type of savings bonds they are.
by HueyLD
Wed Jul 20, 2016 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: How To Maximize Education Tax Credits
Replies: 4
Views: 399

Re: How To Maximize Education Tax Credits

Yes you can. Your work-related education expenses may also qualify you for other tax benefits, such as the American opportunity and lifetime learning credits. You may qualify for these other benefits even if you don't meet the requirements listed above. Also, your work-related education expenses may...
by HueyLD
Wed Jul 20, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: convert savings bonds after death
Replies: 10
Views: 672

Re: convert savings bonds after death

Just cash the bonds and be done with them. To convert your paper bonds, you will have to go thru the TreasuryDirect online. The process is anything but easy or intuitive and it will take at least 20 weeks. You will also need to go thru a lot of work such as filling out the "required" forms...
by HueyLD
Wed Jul 20, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Adopt my Girlfriend???
Replies: 38
Views: 6456

Re: Adopt my Girlfriend???

You have several choices. You can move to another state, you can start giving her money when you are alive, you can marry her if she is at least 18 years old, or you can adopt her if her parents agree for her to be adopted.
by HueyLD
Tue Jul 19, 2016 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with a bit of extra money each month?
Replies: 40
Views: 2579

Re: What to do with a bit of extra money each month?

A native Californian friend provided me with this link to help out those who may not be aware of property tax base transfer benefits within the Golden state. What is the difference between Proposition 60 and Proposition 90? Proposition 60 allows transfers of base year values within the same county (...
by HueyLD
Mon Jul 18, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan [disposition in case of death?]
Replies: 7
Views: 450

Re: Student Loan [disposition in case of death?]

Did you obtain the student loans during the marriage and live in a community property state?
by HueyLD
Mon Jul 18, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Scenario
Replies: 5
Views: 478

Re: Reverse Mortgage Scenario

How much fees do you have to pay for the RM?
by HueyLD
Mon Jul 18, 2016 10:54 am
Forum: Investing - Theory, News & General
Topic: Transations with Fractional Shares from Separate Lots
Replies: 13
Views: 601

Re: Transations with Fractional Shares from Separate Lots

I agree with both Triceratop and Epsilon Delta. Theoretically, the cost basis from each lot should be calculated separately in computing the basis for the fractional share sold and received CIL. However, the amount involved is so immaterial that a FIFO calculation will be the most efficient way of h...
by HueyLD
Sun Jul 17, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6063

Re: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]

I think 1,853 KWH usage is too high for your situation. Your house is only 1,100 SFT and the avg temp for the month was only 73F. Unless you have other high energy usage appliances such as electric dryer, electric stove, electric hot water heater, etc., it is hard to use that much electricity. A fri...
by HueyLD
Sun Jul 17, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Traits of Happiest Retirees
Replies: 81
Views: 11457

Re: Traits of Happiest Retirees

The happiest retirees were already happy to begin with. Moving to a metropolitan area gave a significant boost to my happiness. Friends, family, purpose, reasonable health. These I can believe are keys to a happy retirement. Retirement is pretty easy if your job sucked. Hell, watching the plants gr...
by HueyLD
Sun Jul 17, 2016 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Income Limits
Replies: 9
Views: 884

Re: Medicare Part B Income Limits

The SSA has a publication to address high income issues. Here it is https://www.ssa.gov/pubs/EN-05-10536.pdf . What’s Inside ContactingSocialSecurity . . . . . . . . . . . . . . . . .3 Rules for higher-income beneficiaries . . . . . . . . 4 How does this affect me? . . . . . . . . . . . . . . . . . ...
by HueyLD
Fri Jul 15, 2016 3:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Jack Brennan - Current Status
Replies: 5
Views: 1334

Re: Vanguard - Jack Brennan - Current Status

Why would an investor care about Brennan's current status?
by HueyLD
Thu Jul 14, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Mac Computer
Replies: 21
Views: 1518

Re: Mac Computer

looking wrote:can i use chrome book to use fidelity pro trading system ??

No.

Minimum browser requirement for ActiveTraderPro.com: Internet Explorer 8, Safari 5, Adobe Flash Player v10.1, Firefox 11
by HueyLD
Thu Jul 14, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Mac Computer
Replies: 21
Views: 1518

Re: Mac Computer

exoilman wrote:Hello all tech types,

I trade with Fidelity and they use Microsoft for the trading platform. If I buy a Mac, is there a program that I can buy for the mac that will allow trading that Fido uses.

You should call their technical gurus at 1-800-544-7595. They are open now.
by HueyLD
Wed Jul 13, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Running windows 7. Do I need McCafee?
Replies: 15
Views: 865

Re: Running windows 7. Do I need McCafee?

McAfee, that is.
by HueyLD
Tue Jul 12, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Status [worth lobbying for?]
Replies: 13
Views: 1716

Re: Vanguard Flagship Status [worth lobbying for?]

My experience getting both accounts opened was a nightmare due to awful customer service.

What kind of nightmare? What specifically did Vanguard do to cause awful customer service to you?
by HueyLD
Tue Jul 12, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 1960

Re: Vanguard broken this morning?

tampaite wrote:Edit: If I place an order over the phone, will Vanguard waive or match the online commission?

Absolutely! You tell Vanguard so.
by HueyLD
Tue Jul 12, 2016 9:36 am
Forum: Investing - Theory, News & General
Topic: "Investing in an uncertain world."
Replies: 7
Views: 697

Re: "Investing in an uncertain world."

Levett wrote:When hasn't it been an "uncertain world?"

"Uncertainty" is a meme kinda like the "expectations" game prior to a Fed announcement or an unemployment report.

+1.
by HueyLD
Mon Jul 11, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: Tax Preparation--Anyone try this as second income
Replies: 40
Views: 5143

Re: Tax Preparation--Anyone try this as second income

A few local CPA firms also price out small individual accounts by setting a minimum price at $1,000. There is no way a CPA can make a living doing taxes for average taxpayers.
by HueyLD
Mon Jul 11, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 1960

Re: Vanguard broken this morning?

I hope that Vanguard spends necessary money to fix their brokerage account problems. Such a combined platform has been around for years and there are no excuses for Vanguard to not getting it right. Maybe Vanguard should hire those who have experience implementing brokerage platform to fix the broke...
by HueyLD
Mon Jul 11, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 1960

Re: Vanguard broken this morning?

Question for those with trading problems - are your accounts the old mutual fund only accounts or the new and "improved" brokerage accounts?
by HueyLD
Mon Jul 11, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 1960

Re: Vanguard broken this morning?

Trading worked for me at this moment.
by HueyLD
Mon Jul 11, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 1960

Re: Vanguard broken this morning?

Which part is broken?
by HueyLD
Sat Jul 09, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 176
Views: 28802

Re: Liking the new Citi CC at Costco

jeffyscott wrote:So good for domestic travel, but worth keeping the no fee arrival (non-plus) for international.

What is a no fee arrival?
by HueyLD
Sat Jul 09, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Selling municipal bonds before maturity
Replies: 21
Views: 975

Re: Selling municipal bonds before maturity

patrick013 wrote:It's a good time to sell bonds. Many muni's are selling at sizable premiums. Perhaps sell a few and invest the cash into something with a higher tax adjusted YTM with the captured principal.

+1.
by HueyLD
Sat Jul 09, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 176
Views: 28802

Re: Lifting Credit Freeze

zeep wrote:Does anyone know whether there is a mechanism to provide Citi with Experian's single use PIN to temporarily unlock my credit file at time of in-store enrollment?

Call Citi's dedicated number for Costco customers at 1-855-378-6467.
by HueyLD
Sat Jul 09, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 176
Views: 28802

Re: Liking the new Citi CC at Costco

I have been pleased with American Express. Customer service will determine which card I use. Indeed. If Citi does a mediocre job in customer service, I will go back to the Amex. It seems that Citi is having a very rough rollout for this card. I have waited a combined 30 min this week to try to get ...
by HueyLD
Fri Jul 08, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: resort fees at hotels mandatory?
Replies: 34
Views: 2793

Re: resort fees at hotels mandatory?

If you have a choice, you can choose hotels without such ridiculous fees.

In Las Vegas, you can get the resort fee waived if you are a high roller. Short of that, your only option is to stay in a place without such fees if one can be found.
by HueyLD
Fri Jul 08, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: Retitling Ibonds??
Replies: 4
Views: 391

Re: Retitling Ibonds??

Allow at least 20 weeks to complete the retitling process. Make sure you don't need the money for food.
by HueyLD
Fri Jul 08, 2016 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 176
Views: 28802

Re: Liking the new Citi CC at Costco

The 2% reward on executive memberships is independent of the credit card rewards.

In other words, you get 4% back: 2% on cc and 2% on executive membership
by HueyLD
Thu Jul 07, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 46
Views: 7418

Re: How long does TreasuryDirect take to convert paper I bonds?

10 of mine were just converted this week after two months. Does anyone know if a new conversion account number is created every time a new batch of bonds is sent in? Probably. However, you can merge the accounts yourself or call them for assistance. The Treasury employees have been very helpful and...
by HueyLD
Wed Jul 06, 2016 6:18 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 5584

Re: Costco Tires - Anyone ever frustrated?

The Costco in my area opens at 9 a.m. on Tue. And Thu. and it is very easy to get tires rotated and/or balanced on those days.
by HueyLD
Wed Jul 06, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: Input wanted on where to live
Replies: 10
Views: 804

Re: Input wanted on where to live

San Diego area appears to fit your desired criteria except for one major criterion: Cost of Living
by HueyLD
Wed Jul 06, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Has a bank offered you a "Special" CD rate?
Replies: 16
Views: 1907

Re: Has a bank offered you a "Special" CD rate?

ralph124cf wrote:My current smaller bank was recently acquired by a megabank, and the manager told me that they were no longer allowed any discretion on CD rates.

Yes, that's a real problem.
by HueyLD
Wed Jul 06, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)
Replies: 55
Views: 2941

Re: Considering Big move to Texas Hill Country (Round Rock/Georgetown area)

Non7WoodUser wrote:Texas is a great state filled with patriotic people.

You can say that with virtually every state in the Union.
by HueyLD
Wed Jul 06, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 176
Views: 28802

Re: Liking the new Citi CC at Costco

madbrain wrote:One thing to dislike about this card : it has an RFID chip for contactless payment. This is not very secure. It is the only card I have that has this feature, and IMO that is a strong negative.

Can you elaborate on your comment above?
by HueyLD
Tue Jul 05, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: gift and estate tax and marriage (Washington state)
Replies: 28
Views: 1686

Re: gift and estate tax and marriage considerations

Unlike the income tax, the estate tax is based on domicile. Domicile is based on all of the facts and circumstances. So how does this work for someone who spends considerable time in two states? Say a classic couple that spends the warm months up north and the cold months down south. They own homes...
by HueyLD
Mon Jul 04, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected Medical Facility Charges - Outpatient Surgery
Replies: 48
Views: 3414

Re: Unexpected Medical Facility Charges - Outpatient Surgery

It doesn't matter WHO owns the office. The point being made is when a visit or procedure is done in an office setting (non facility) there is only one charge. As opposed to a facility (hospital, surgery center, etc...) where there will be a professinal fee AND facility fee. Well, not quite. A famil...
by HueyLD
Mon Jul 04, 2016 8:05 am
Forum: Personal Consumer Issues
Topic: Specifying type of room at cheap national chains?
Replies: 29
Views: 2060

Re: Specifying type of room at cheap national chains?

A true story. A coworker of mine used to travel frequently for business and he used to prefer the ground floor due to all the work related equipment he carried on the road. However, he was awaken in the middle of the night with liquid dripping on his face from above. When he turned on the light, he ...
by HueyLD
Sun Jul 03, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Why "business days" for ACH transfer
Replies: 16
Views: 1534

Re: Why "business days" for ACH transfer

Background on ACH is at the Bureau of the Fiscal Service (Fiscal Service), US Treasury: Automated Clearing House (ACH) Heads up: Same day ACH transfer rules will go into effect September 23, 2016. See: Same Day ACH: Moving Payments Faster More info: Home | NACHA Resource Center Does this apply imme...

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