Search found 3995 matches

by HueyLD
Sat May 28, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help with EFTPS [Electronic Federal Tax Payment System]
Replies: 10
Views: 532

Re: Help with EFTPS

Yes. How do I know whether to enroll as a business, individual, or federal agency? If you're paying business/employment-related taxes, enroll as a business, whether you are a business; non-profit group; or a state, regional, or local governmental entity. If you're paying taxes for which you personal...
by HueyLD
Sat May 28, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Traveling through Albuquerque - safe to stop?
Replies: 40
Views: 2921

Re: Traveling through Albuquerque - safe to stop?

It is unfortunate that in this country, that anyone with a non-white skin is pretty much presumed to be less than honest. As a person who lives 20 miles from the Mexican border in Arizona, we encounter very little crime, far less than we encountered in Chicago or St. Louis. Yet, when I go back to t...
by HueyLD
Fri May 27, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help with EFTPS [Electronic Federal Tax Payment System]
Replies: 10
Views: 532

Re: Help with EFTPS

No it doesn't matter. But the IRS is very particular about name and TIN matching. Since you will file federal tax returns as a sole proprietor anyway, you should just set it up using your own name and SSN. If you expect to make payments regularly, EFTPS is a more efficient way of paying taxes. For o...
by HueyLD
Fri May 27, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help with EFTPS [Electronic Federal Tax Payment System]
Replies: 10
Views: 532

Re: Help with EFTPS

Gemini wrote:Right. I can use direct pay, but just wondering why I am not able to setup EFTPS under my personal info.

Your name and your tax ID must match IRS' records.

For example, the EFTPS can be set up with your biz name and its EIN, or your own name and your SSN. You cannot mix and match them.
by HueyLD
Fri May 27, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa rewards card question
Replies: 26
Views: 1927

Re: Fidelity Visa rewards card question

Auto pay of statement balance: Yes.

Redemption of rewards by check: No. But you can get statement credit of 1%. The 2% reward is only available for Fido account credits.
by HueyLD
Fri May 27, 2016 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent paying tuition directly
Replies: 14
Views: 1251

Re: Grandparent paying tuition directly

"Educational exclusion. The gift tax does not apply to an amount you paid on behalf of an individual to a qualifying domestic or foreign educational organization as tuition for the education or training of the individual. A qualifying educational organization is one that normally maintains a re...
by HueyLD
Fri May 27, 2016 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 25279

Re: Costco AMEX Transition - Costco has no answers

That's why the Citi says: "Certain Non-Qualifying Purchases.You will only earn 1% cash back, not 4%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs other than Costco or for fuel used for non-automobile purposes."
by HueyLD
Thu May 26, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 33
Views: 5576

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

I strongly recommend that you call the toll-free number indicated in my post above. The website doesn't tell you because it takes forever for them to change anything on the web.

Hopefully they have hired more people to handle the workload.
by HueyLD
Thu May 26, 2016 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa rewards card question
Replies: 26
Views: 1927

Re: Fidelity Visa rewards card question

https://www.fidelity.com/cash-managemen ... edit-cards

This link answers all your questions and more.
by HueyLD
Thu May 26, 2016 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Receive corrected 1099 form after retitling account to a living trust
Replies: 2
Views: 199

Re: Receive corrected 1099 form after retitling account to a living trust

Hi, I created a living trust and retitle my brokerage account to this trust. This retitling triggered a corrected tax form. The broker sent me a corrected 1099 with only the title changed. Except the title, nothing else is changed. Is this a normal practice? They told me that they reported this to ...
by HueyLD
Thu May 26, 2016 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa rewards card question
Replies: 26
Views: 1927

Re: Fidelity Visa rewards card question

True story on text notification: My friend was eating in a restaurant and paid the bill with his credit card. He got the text notification. Then a moment later he got another text notification for the same restaurant but for a higher amount. A discussion ensued with the manager that was becoming he...
by HueyLD
Wed May 25, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 36898

Re: OPM breach and credit freeze

Ice-9,

If your credit is already frozen, there is nothing a credit monitoring company can monitor except for non-credit related items such as sex offenders in your neighborhood. That's my understanding.
by HueyLD
Tue May 24, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Ally bank as their only bank?
Replies: 31
Views: 1873

Re: Anyone use Ally bank as their only bank?

When I look at the interest and zero fees for both their savings and checking accounts I'm skeptical because it sounds too good to be true. How so? Ally does not have to spend money on expensive B&M branches and it can afford to pay customers more. Keep in mind that no fee doesn't mean no fee f...
by HueyLD
Mon May 23, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's the deal with credit freeze charges?
Replies: 22
Views: 1345

Re: What's the deal with credit freeze charges?

fortfun wrote:
HueyLD wrote:Could you have used online unfreeze and refreeze to expedite the process?


Still $10 for each agency :(

In my state, each freeze or unfreeze costs $15. So, a married couple would incur $60 per round trip per credit bureau. What a ripoff!!
by HueyLD
Mon May 23, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: Lessons from the past - digging though old work records
Replies: 16
Views: 1971

Re: Lessons from the past - digging though old work records

Interesting. Why did you stick around even a few months if you knew the rest of the company wasn't following your newly enlightened mission? I guess it took a while to get out. Career change is not always an easy decision, especially when one has a family to support. I really appreciate Rick's shar...
by HueyLD
Mon May 23, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: What's the deal with credit freeze charges?
Replies: 22
Views: 1345

Re: What's the deal with credit freeze charges?

Could you have used online unfreeze and refreeze to expedite the process?
by HueyLD
Sun May 22, 2016 1:51 pm
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 27
Views: 1648

Re: Staying Logged In

Also check that Safari does not delete cookies on a regular basis. The "keep me logged in" token only works for as long as the session cookie exists. If the browser is deleting cookies every night, then you'll have to log in each morning. That was what caused me to have to login every tim...
by HueyLD
Sun May 22, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2350

Re: Still double checking bank checkbook math?

I was just wondering how many people still do the math every month double-checking the bank's math on your checkbook. Maybe I am the exception, but I have never found a math error in my checkbook, yet I still do the math every month. Maybe it's time to let that go....maybe still look at the entries...
by HueyLD
Sat May 21, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 25279

Re: Costco AMEX Transition - Costco has no answers

When it comes to the 3% restaurant, some restaurants obviously didn't qualify of the AMEX card. A good number of them. must be qualified restaurants just like the travel. RM Can you clarify "qualified restaurants"? Citi's website simply says "restaurants." Do you simply mean res...
by HueyLD
Sat May 21, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Dividends [What funds pay them?]
Replies: 33
Views: 1521

Re: Dividends [What funds pay them?]

+1 to both LadyGeek and Retiredjg's advice.

Please take your time and educate yourself on the low cost investing. It will make a significant difference in your investment life.
by HueyLD
Sat May 21, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct change bank accounts
Replies: 1
Views: 266

Re: Treasury Direct change bank accounts

Thank you, Geologist20.

I just tried it, and it actually worked. It is such an improvement.
by HueyLD
Sat May 21, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: surface street or freeway commute?
Replies: 32
Views: 1537

Re: surface street or freeway commute?

If possible, take the freeway route for sure.

In addition to the aggravation of numerous stop and go's, it is also more dangerous driving in such a situation. And there may be many red light cameras to catch you (and your wallet) off guard.
by HueyLD
Fri May 20, 2016 4:35 pm
Forum: Investing - Theory, News & General
Topic: Ally reduces 5 year CD rate
Replies: 16
Views: 2793

Re: Ally reduces 5 year CD rate

A local credit union still has 1.66% APY for 3-year CDs. Only $1,000 is required to open a new CD.
by HueyLD
Fri May 20, 2016 2:36 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11790

Re: Is there a such thing as a blue collar Boglehead?

In my experience, blue-collar and even middle-class perspectives are not often welcomed on this site. The assumption from many posters seems to be that anyone who is smart and hard-working should be wealthy, and those who are not wealthy are lacking something. I got the same impression, too. For ex...
by HueyLD
Fri May 20, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct -Changing Bank Account Info
Replies: 30
Views: 3873

Re: Treasury Direct -Changing Bank Account Info

Geo,

Thanks a lot for sharing the change in TD's policy on adding new bank account. I am so glad that they finally moved to the 21st century.
by HueyLD
Thu May 19, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Car insurance - increased liability 500k
Replies: 16
Views: 1450

Re: Car insurance - increased liability 500k

Do you have an umbrella insurance? There are minimum liability insurance requirements for underlying homeowner and automobile coverages.
by HueyLD
Wed May 18, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7708

Re: Is it common for a step mother to inherit everything?

mak1277 wrote:This whole line of thinking just makes me feel better about my position that my kids will be told from an early age that they will not be receiving any inheritance. I may or may not decide to leave anything to my children, but if I do it will be a surprise to them, not an expectation.

+100!
by HueyLD
Wed May 18, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Taking new-ish car to independent mechanic?
Replies: 18
Views: 1656

Re: Taking new-ish car to independent mechanic?

People buy Honda/Toyota because they "only need oil changes". Yah, right. After certain number of miles, a list of maintenance items will also need to be done. For example, new batteries, new tires, new filters of all kinds, coolant flush, transmission flush, brake flush, etc. It is getti...
by HueyLD
Tue May 17, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 3611

Re: Is it OK to leave home wifi on?

One possible problem with leaving home wi-fi on is that the wi-fi light may blink all the time even when nothing in your own home uses wi-fi (i.e. all devices are turned off). Even Comcast wi-fi experts did not know how to address the issue of constantly blinking wi-fi light. They insisted that blin...
by HueyLD
Tue May 17, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 7708

Re: Is it common for a step mother to inherit everything?

A parent does not owe his/her children an inheritance. Get over it because it was your father who decided to give everything to his beloved wife who took care of him for 15 years.
by HueyLD
Mon May 16, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 3611

Re: Is it OK to leave home wifi on?

I leave mine on 24x7 when I am home. But if I am going to be away from home for more than one day, I shut down the modem/router all together. My neighbor used to leave his modem/router on all the time, but he started shutting down the modem/router every night after two of his routers broke. So, it c...
by HueyLD
Sun May 15, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Food budget and frequent visitors who stay at our home
Replies: 43
Views: 2929

Re: Food budget and frequent visitors who stay at our home

How frequent do the visitors stay with you? It is a tough situation when you have a tight budget for just your own family. How about setting aside some extra dollars for entertaining your visitors? If you don't have extra dollars to spare, then just be honest with your visitors and tell them to pay ...
by HueyLD
Sat May 14, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect.gov is not a secure website?
Replies: 15
Views: 1757

Re: treasurydirect.gov is not a secure website?

You can download the Savings Bond Wizard. IMO, it is easier to use than having to log into the TD site.

https://www.treasurydirect.gov/indiv/to ... wizard.htm
by HueyLD
Sat May 14, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: treasurydirect.gov is not a secure website?
Replies: 15
Views: 1757

Re: treasurydirect.gov is not a secure website?

I just accessed the TD site using Safari, Firefox and IE and had no problems whatsoever.

To the OP - did you update your browsers regularly?
by HueyLD
Fri May 13, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Unbelievably frustrated with Vanguard website
Replies: 8
Views: 1489

Re: Unbelievably frustrated with Vanguard website

For a brokerage account elsewhere, you can just enter a BUY for a fund and the money will be automatically drawn from the designated cash account. It is different from exchanges between two mutual funds in a mutual fund only account.
by HueyLD
Wed May 11, 2016 3:37 pm
Forum: Investing - Theory, News & General
Topic: Possible New Ally Product: Select CDs
Replies: 5
Views: 1717

Re: Possible New Ally Product: Select CDs

As someone who has read a lot of disclosure statements, I think it is just poor writing. Go read some more on their website on the types of CDs offered, you will see that they have changed the EWP a couple of times in the last few years. Some earlier ones were grandfathered into 60 days of EWP, peri...
by HueyLD
Wed May 11, 2016 3:20 pm
Forum: Investing - Theory, News & General
Topic: Possible New Ally Product: Select CDs
Replies: 5
Views: 1717

Re: Possible New Ally Product: Select CDs

If you disagree, maybe calling Ally will provide an answer.
by HueyLD
Wed May 11, 2016 7:55 am
Forum: Investing - Theory, News & General
Topic: Possible New Ally Product: Select CDs
Replies: 5
Views: 1717

Re: Possible New Ally Product: Select CDs

No new products.

Rather, that means CDs opened or renewed on or after 4/28/2016 will be subject to the new EWP scheme and the new auto renewal requirement.
by HueyLD
Wed May 11, 2016 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Freeriding Warning Notice - Confused.
Replies: 4
Views: 1233

Re: Freeriding Warning Notice - Confused.

I am trying to put in a trade and I am getting a warning from Vanguard that it might be a freeriding violation. I don't think it is, so I am confused by the warning. Here is the account situation: Settled Cash: $17,000 Unsettled Cash (due to me on 5/12 from unrelated situation): $23,000 Total avail...
by HueyLD
Tue May 10, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Double Dental Insurances
Replies: 4
Views: 351

Re: Double Dental Insurances

Is the dentist a preferred provider for your dental plans? If yes, he cannot charge more than the contract rates. So, if he is a PDP for the primary insurance and its negotiated price is $300, he cannot charge more than $300 no matter what the secondary insurance says. But if both the primary and se...
by HueyLD
Tue May 10, 2016 6:59 am
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5074

Re: The 10 Best States to Grow Old in

Levett wrote:You don't grow old in a state. You grow old in a community (if you are fortunate enough to live in one).

Lev

+1 Levett.
by HueyLD
Mon May 09, 2016 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Structured notes
Replies: 16
Views: 1318

Re: Structured notes

Bioret wrote:Does anybody have any opinions about structured notes, such as AXA's Structured Capital Strategies ? Is this a reasonable way
of putting funds into annuities while minimizing risk? Thanks.

Welcome to the forum.

Could you advise if you work for AXA?
by HueyLD
Mon May 09, 2016 7:58 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 3192

Re: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016

Happy birthday to Jack.

Many thanks to his contribution to the investment universe.
by HueyLD
Thu May 05, 2016 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Keep high amounts of cash for lower ACA premiums?
Replies: 37
Views: 4167

Re: Keep high amounts of cash for lower ACA premiums?

The linked article by GCC is very good. It mentions cost sharing benefits (CSB) of the ACA that is not known by the public in general. The widely publicized premium subsidies (premium tax credit) and repayments of the PTC (individual shared responsibility payment) seem to have received most of the a...
by HueyLD
Thu May 05, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 60
Views: 7127

Re: Anyone use Fidelity as their bank account?

Kenster1 wrote:But everyone is saying that's not a problem because they don't use their debit card for credit purchases in foreign countries - good idea - use your No Foreign Transaction Fee credit card instead. And then just use your Fidelity CMA to get cash.

Yes, that works very well.
by HueyLD
Thu May 05, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4271

Re: Do you check credit card statements?

I checked the statements when they are available.

I think I found at least one error per year and that makes it a worthwhile effort.
by HueyLD
Thu May 05, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: I-Bonds, re-issue, change ownership
Replies: 2
Views: 804

Re: I-Bonds, re-issue, change ownership

Call 1-844-284-2676.

I found them to be very helpful.
by HueyLD
Thu May 05, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Transitioning Family Members from HSA to ACA
Replies: 7
Views: 878

Re: Transitioning Family Members from HSA to ACA

I would like to second Magellan's suggestion. I've been told that you could get a better individual insurance policy outside of the ACA Marketplace. Do keep in mind that the insurance market is highly individualized and location dependent. You should try to get the policy that best suits your family...
by HueyLD
Thu May 05, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9712

Re: I Bond rates for May 1 announced

To answer your first question, I get lots of negative feedback and horror stories about TD from folks who've tried it and didn't like it. Many folks also worry about how their heirs will be able to deal with TD. Secondly, Treasury sold $17.7 Billion worth of Savings Bonds in 1992. By 2013, the sale...

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