Search found 5064 matches

by HueyLD
Thu Oct 19, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Political/Legislative risks of Munis
Replies: 9
Views: 271

Re: Political/Legislative risks of Munis

For as long as I remember, there were frequent rumors of removing federal tax exempt status from state and local munis. However, nothing seemed to materialize because the consequence would be more costly to everyone. The state and municipalities would have to raise taxes and fees if they could not b...
by HueyLD
Thu Oct 19, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 17
Views: 1052

Re: [If I die before my spouse, how to direct Vanguard advisors?]

Do you have children or trusted relatives/friends that you can count on to help your wife after your demise or incapacity? If you think she may need help, you want to do everything you can to "recruit" a trusted person to help her through the transition. But there is only so much you can do and ther...
by HueyLD
Tue Oct 17, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: First time ever received a collection agency letter
Replies: 3
Views: 689

Re: First time ever received a collection agency letter

Call the hospital ans ask them to retrieve the collection notice.

Be nice and factual.
by HueyLD
Tue Oct 17, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Is there really a lithium battery in a USB-C-to-micro-USB adapter?
Replies: 8
Views: 590

Re: Is there really a lithium battery in a USB-C-to-micro-USB adapter?

I think they simply used whichever box that was available to ship your order.

I am 99.99999999999% certain that there is not a battery of any kind inside.
by HueyLD
Tue Oct 17, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Conflicting information about Experian pin
Replies: 6
Views: 330

Re: Conflicting information about Experian pin

I did it successfully online.

I think you can ignore the leading zero's.
by HueyLD
Tue Oct 17, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Conflicting information about Experian pin
Replies: 6
Views: 330

Re: Conflicting information about Experian pin

My PIN has 10 numbers with no leading zero's.
by HueyLD
Tue Oct 17, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5257

Re: What do you buy in Asian food stores?

I buy stuff I like that are not available in regular stores.

FWIW, Asian food stores can be very different, depending on the ethnicity. (Chinese, Japanese, Indian, etc.)

And yes I also pick up good quality chopsticks and kitchenware there.
by HueyLD
Tue Oct 17, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard PAS (dreadful service)
Replies: 16
Views: 1458

Re: Alternative to Vanguard PAS

Very scary that Vanguard PAS was so bad. I have recommended that to a bunch of people who have no financial clue. Hope it works better for them. It appears that Vanguard PAS is not for those who require personal service. There are many others who provide more personal service for higher fees. After...
by HueyLD
Tue Oct 17, 2017 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to Vanguard PAS (dreadful service)
Replies: 16
Views: 1458

Re: Alternative to Vanguard PAS

Very scary that Vanguard PAS was so bad. I have recommended that to a bunch of people who have no financial clue. Hope it works better for them. It appears that Vanguard PAS is not for those who require personal service. There are many others who provide more personal service for higher fees. After...
by HueyLD
Mon Oct 16, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 39
Views: 4134

Re: New I Bond Variable Rate for November 2017 - 2.48%

My guess is that the fixed rate will be zero.
by HueyLD
Mon Oct 16, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Where to notarize legal zoom documents? Trouble getting witnesses
Replies: 14
Views: 883

Re: Where to notarize legal zoom documents? Trouble getting witnesses

Last time I needed two witnesses to sign a notarized document, the bank told me that their employees were prohibited from serving as witnesses for liability reason. I did not know about such a service at the UPS stores.

How much does the UPS store charge for such a service in your area?
by HueyLD
Sun Oct 15, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Little as possible for govt
Replies: 9
Views: 1318

Re: Little as possible for govt

At such a wealth level, the OP's family needs a lot more than tax advice.

They need to seek expert advice on asset protection and estate/legacy planning.
by HueyLD
Sat Oct 14, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard sell customer info?
Replies: 4
Views: 407

Re: Does Vanguard sell customer info?

https://personal.vanguard.com/jumppage/mobile/policies/privacy.html How we handle your personal information We do not sell information about current or former clients or their accounts to third parties. Nor do we share information about clients or prospective clients, except when needed to complete ...
by HueyLD
Sat Oct 14, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2589

Re: Annuities - how does insurance company know you died?

Someone still has to report the death (including to SS) and its usually next of kin. Where does that requirement come from? And to whom is the report required? And what if the person was not receiving social security payments, is there any requirement that their death be reported to social security...
by HueyLD
Fri Oct 13, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Well Done Ally Bank - CD purchase
Replies: 61
Views: 12010

Re: Well Done Ally Bank - CD purchase

After you login, click on "accounts" on the top menu bar, and a drop down menu will have an "open account" for you to open a new account.
by HueyLD
Fri Oct 13, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5533

Re: Help me understand what happen with the new law and ACA subsidies

stan1 wrote:
Fri Oct 13, 2017 2:54 pm
Actionable items:
Get a job with group insurance
Marry someone with group insurance
Houston, we may have a problem.

(1) I may be too old to get a job, but too young to be on Medicare.

(2) I can't find someone with group insurance to marry.
by HueyLD
Thu Oct 12, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Are Treasury Zero's Liquid?
Replies: 6
Views: 443

Re: Are Treasury Zero's Liquid?

As Lack_ey said above, Treasury zeros are very liquid and can be easily sold. However, they are a lot less zeros outstanding and it may be a bit difficult to trade them in time of distress. Due to a lack of cash flow, they tend to be very sensitive to changes in interest rates, especially in a risin...
by HueyLD
Thu Oct 12, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1261

Re: Voiceprint technology (for authentication)

I like the availability of voice recognition software. Since I signed up for it a few years ago, problems only arose once. The one time that such a system didn't work was when I had a nasty cold and my voice was definitely not my usual cheerful self. Somehow the system could not identify me thru oth...
by HueyLD
Thu Oct 12, 2017 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Are Treasury Zero's Liquid?
Replies: 6
Views: 443

Re: Are Treasury Zero's Liquid?

Hi all: I am considering buying some individual treasuries (within a Fidelity Brokerage account). I want to be able to sell easily if I desire (I know that they may lose principal value if rates rise). I understand that treasuries are very liquid. Is there and liquidity difference between selling r...
by HueyLD
Wed Oct 11, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2554

Re: Social Security Card - Should I get a Replacement

Interesting. I had to show my SS card along with a government-issued photo ID on the first day of every job I ever held.

That's why I replaced my SS card when it was accidentally damaged. The form you fill out to replace the card is not a big deal. Look, they already know everything about you!
by HueyLD
Sun Oct 08, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2275

Re: Change for a $20 requires ID!!

Last time I tried to pay for something with a $100 bill, the cashier had to ask for a manager to inspect and approve the transaction. And of course they asked for my photo ID.

It is what it is. I have no problem with their prudent practice.
by HueyLD
Sun Oct 08, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Tax basis after death of spouse
Replies: 7
Views: 956

Re: Tax basis after death of spouse

Name their resident state, OP. You also need to ask how the properties are titled.
by HueyLD
Sun Oct 08, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 1953

Re: When do you replace your car battery?

Do you replace your car battery every so many years on schedule or wait until it gives trouble? ... Winter is ahead and my truck battery is 5 years old. Thinking of the pricey Optima battery. Winter is not tough on batteries in the Arizona heat. However, summer heat can really diminish the battery ...
by HueyLD
Thu Oct 05, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Health insurance gamble?
Replies: 24
Views: 2001

Re: Health insurance gamble?

It happened to me in the past. I signed up for COBRA, but they claimed that the paperwork was NEVER received. I should have sent the paperwork certified with returned receipt requested. Fortunately, I was healthy and single and could afford to pay out of pocket for some unexpected (and relatively mi...
by HueyLD
Thu Oct 05, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Health insurance gamble?
Replies: 24
Views: 2001

Re: Health insurance gamble?

To the OP, If you are healthy and single with no dependent, you can take the gamble and wait out the 60-day COBRA period. However, with a high risk baby delivery and the entire family's health to deal with, $2100 is a cheap insurance. COBRA is a slow process and if any major health issue should aris...
by HueyLD
Thu Oct 05, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2516

Re: Fidelity: can no longer use first initial, middle name

I wonder if Fidelity's system can handle the "III" in "Edward C. Johnson III?" Ha ha. I am sure there is a place to designate someone being a Jr., II, III, etc. I know a lot of people with either a hyphenated first name (such as Ah-Ha) or a first name with a space in the middle (such as Ah Ha) and ...
by HueyLD
Wed Oct 04, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1640

Re: Fender bender -- other driver at fault -- what to do?

**Update** 10/04/2017 2:30 pm I'm the OP. Thanks for all the thoughtful responses. I really do appreciate the various perspectives on this thing. I have not heard from my insurance company other than an email acknowledgement of the claim I submitted online. I had a voice mail from the at fault driv...
by HueyLD
Wed Oct 04, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1640

Re: Fender bender -- other driver at fault -- what to do?

(1) Someone from her insurance company should contact you shortly. So, be patient. (2) No. (3) Get your bumpers checked out and fixed. I would not do (3) until you've talked to the other driver's insurance company. There are some benefits to using one of the insurance company's preferred body shops...
by HueyLD
Wed Oct 04, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1640

Re: Fender bender -- other driver at fault -- what to do?

(1) Someone from her insurance company should contact you shortly. So, be patient.

(2) No.

(3) Get your bumpers checked out and fixed.
by HueyLD
Tue Oct 03, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Easy Pay and Start of Social Security Benefits
Replies: 4
Views: 681

Re: Medicare Easy Pay and Start of Social Security Benefits

I think it will.

However, it could take six months and you may need to call them repeatedly. Remember, each phone call may take a few hours to complete due to "hold" time.

Maybe you should stop the Easy Pay ASAP in order to avoid future problems.
by HueyLD
Sat Sep 30, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Puzzle about posting date for GNMA dividends
Replies: 3
Views: 264

Re: Puzzle about posting date for GNMA dividends

I think it is their IT system that is screwed up.

It may be helpful to call Vanguard and ask for an explanation.

FWIW, other brokerages don't seem to have such a problem.
by HueyLD
Wed Sep 27, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Naming a temporary power of attorney
Replies: 9
Views: 474

Re: Naming a temporary power of attorney

In the POA document, does it have a successor/contingent agent indicated?
by HueyLD
Wed Sep 27, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance proceeds and taxes
Replies: 4
Views: 332

Re: Long Term Care Insurance proceeds and taxes

Form 8853 will need to be filled out to exempt the LTCI payments from taxation. That's different from taking deductions for the net care expense.
by HueyLD
Wed Sep 27, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance proceeds and taxes
Replies: 4
Views: 332

Re: Long Term Care Insurance proceeds and taxes

You can't include medical expenses that were paid by insurance companies or other sources. This is true whether the payments were made directly to you, to the patient, or to the provider of the medical services.

See IRS Pub. 502.

Also the deduction floor will be 10% for all ages for year 2017.
by HueyLD
Wed Sep 27, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3100

Re: Social Security Question [Social Security Offering Lump Sum]

Tomato tomahto,

I agree with your math. BTW, you have a very sharp mind in math. :)
by HueyLD
Wed Sep 27, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3100

Re: Social Security Question [Social Security Offering Lump Sum]

I waited until I turned 70 to collect $3214 a month from SS. I was called by an agent asking if I would like to take a lump sum of $27,000 which would reduce my future benefits by $146 a month. I was told that I would break even at around 15 years, but I don't think it is entirely accurate since I ...
by HueyLD
Tue Sep 26, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Looking for Quality Landline Phone Manufacturer
Replies: 14
Views: 1255

Re: Looking for Quality Landline Phone Manufacturer

Does anyone know the manufacturer of a quality landline phone. I've purchased two in recent years - one no longer rings and the other has sound issues. While cell phones are terrific, I still need to have some good working landlines. Anyone have any manufacturers, leads or tips they could share? I ...
by HueyLD
Mon Sep 25, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6144

Re: Spouse Money Management

A wise man once told me the following:

"What's the difference between being frugal and being cheap?

When your loved one declines to spend money on what he likes, he is frugal.

When your loved one disapproves of your spending money on what you want, he is cheap!"

Best wishes.
by HueyLD
Mon Sep 25, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: FYI- Security issue at PenFed
Replies: 9
Views: 1135

Re: FYI- Security issue at PenFed

Allan Roth seems to like brokered CDs more than he used to, so I may switch to that. Also, Ally customer service has been exceptional and their 11-month no-penalty CDs seem excellent for competitive short term cash needs. I got tired of chasing CD rates, gave up, and bought some brokered CDs in my ...
by HueyLD
Sun Sep 24, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8355

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I like the idea of asking one's PCP for referrals provided that you are satisfied with your PCP. If you have a teaching hospital near where you live, you may be able to find someone who is an expert in the field with a good reputation. But in most instances, finding a good health care provider is a ...
by HueyLD
Sun Sep 24, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6144

Re: Spouse Money Management

This is why it's important to save via an automatic payroll deduction system. Once you do that the remainder is available for spending by both of you and you can divide it according to some agreement, ideally a budget. The other observation is that any attitude on your part to classify your spouse ...
by HueyLD
Thu Sep 21, 2017 11:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 8953

Re: Bogleheads you would most like to meet and why?

I met LadyGeek at a BH reunion. I thought she would be kind of scary due to her moderating activities, but she was absolutely delightful, interesting and friendly.
by HueyLD
Wed Sep 20, 2017 4:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 8953

Re: Bogleheads you would most like to meet and why?

livesoft wrote:
Wed Sep 20, 2017 12:54 pm
an_asker wrote:
Wed Sep 20, 2017 12:52 pm
livesoft wrote:
Mon Sep 18, 2017 11:58 pm
[...]
I'm happy to buy anyone breakfast, lunch, and/or dinner.[...]
How far do I have to drive to get this free lunch? ;-)
No worries, I'll come to you.
In that case, Livesoft is welcome to come to my little town and buy me breakfast, lunch or dinner. :)
by HueyLD
Wed Sep 20, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1890

Re: Vanguard PAS Seems Inflexable

Vanguard has a process for managing RMDs which does not involve the PAS. Would DW be capable of, and/or interested in, specifying withdrawals if she had guidelines about taxes, and use withdrawals to effectively rebalance? Is there a family member who could provide occasional advice? Yes, my daught...
by HueyLD
Tue Sep 19, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard for non-resident aliens
Replies: 22
Views: 1155

Re: Vanguard for non-resident aliens

If you still want to do business with Vanguard, you can open an account by mail. Here is the link of the PDF file https://www.vanguard.com/pdf/0015.pdf. Note on page 5 of 15, you can answer the question regarding your tax residency. Wait untill after you have met the requirement to file fome 1040. A...
by HueyLD
Mon Sep 18, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Ccleaner (32-bit) had malware payload with legit signed version
Replies: 27
Views: 2553

Re: Ccleaner (32-bit) had malware payload with legit signed version

Ccleaner's 32 bit version had a malware payload and was distributed to anyone who downloaded version 5.33 from the piriform website My computer is running a 64-bit Windows Operating System. Can I assume that this specific attack did not affect my computer? According to piriform website, only 32- bi...
by HueyLD
Mon Sep 18, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1674

Re: SS Spouse Benefit

Your understanding is correct as stated above. I suggest that you search the forum for posts by ObliviousInvestor and sscritic. There is no reason to reinvent the wheel. P.s. The formula you original asked is: (1 - early self reduction) x (her PIA) + (1 - early wife reduction) x (1/2 husband's PIA -...