Search found 4855 matches

by HueyLD
Wed May 24, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 19
Views: 823

Re: Fidelity customer protection guarantee-void if you use Mint?

And yes, I hypocritically do enter my VG and Fid credentials into Turbotax (desktop version) every year to download my tax data. I sure hope Intuit doesn't store those credentials on their servers. I should probably read the T&C on that. Or... temporarily change the passwords before loading the...
by HueyLD
Wed May 24, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 19
Views: 823

Re: Fidelity customer protection guarantee-void if you use Mint?

I have no way of knowing if Fidelity enforces that policy. I suspect Fidelity would only enforce it--and would only be allowed to enforce it--if sharing the password with the aggregator lead to the Fidelity account being compromised (i.e. if the aggregator was compromised first). Either way, count ...
by HueyLD
Wed May 24, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 19
Views: 823

Re: Fidelity customer protection guarantee-void if you use Mint?

The Fidelity representative pointed me to their "Fidelity customer protection guarantee" here: https://www.fidelity.com/security/customer-protection-guarantee which basically says that they will reimburse you if any fraud occurs and you lose your money. Sounds good, right? Until you get t...
by HueyLD
Mon May 22, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my non-US citizen fiancée
Replies: 9
Views: 952

Re: Help me help my non-US citizen fiancée

2. Does Vanguard allow non-US citizens to open accounts with them? Yes, it does. See this application kit https://www.vanguard.com/pdf/0015.pdf Under "owner's citizenship and tax residency," check "non-resident alien" under citizenship if she is neither a U.S. citizen nor a gree...
by HueyLD
Mon May 22, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 36
Views: 3383

Re: IRS tax letter triggered by Turbotax's 8606

Almost every time the errors are operator error. That still leaves a big challenge for the developers to improve their interfaces ("interviews" for retail packages since you can't practically use the forms in most retail packages). Yes indeed. I raised the issue of "operatoe error&qu...
by HueyLD
Sun May 21, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect conversion account transfer question
Replies: 17
Views: 1451

Re: treasurydirect conversion account transfer question

llama wrote:Can anyone who's done this confirm that transferring bonds from my conversion account to my primary account will not count against the $10k annual purchase limit?

I can confirm that.
by HueyLD
Sun May 21, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 52
Views: 11680

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

Earlier this year I mailed in some paper I bonds. It took eight days for them to be converted from the time that the USPS tracking showing they had arrived in TD's hands. Thanks for the update. It appears that the Treasury Retail Division finally has adequate staff to handle workloads associated wi...
by HueyLD
Sun May 21, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Please check my SS spousal benefit calculations
Replies: 12
Views: 951

Re: Please check my SS spousal benefit calculations

I learned something new today by reading this thread. The claiming strategy as outlined by Chip seems to be optimal for married couples where one spouse's PIA is less than 1/2 of the other spouse's PIA. For those who can only claim based on his/her own record (no spousal benefit involved), what is t...
by HueyLD
Thu May 18, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2647

Re: Chandler, AZ

Retired CPA wrote:We will be relocating from South Bend, IN to the Phoenix area this summer,..

You may want to put off the move until after the summer. Yes, it gets real real hot in the summer there and too much physical activity from moving may be quite a challenge to your body.
by HueyLD
Thu May 18, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 2647

Re: Chandler, AZ

Why Chandler? I'm only curious. I work for a company based there. It's hot. As in temperature....no idea about the real estate market. Yes, it is hot with two seasons: hot and hotter. However, there are approx. 4.5 million residents in the Phoenix metro area. I guess for those 4.5 million people, i...
by HueyLD
Tue May 16, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Use of Drivers License for air travel
Replies: 20
Views: 1706

Re: Use of Drivers License for air travel

Good advice, Kramer.
by HueyLD
Mon May 15, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1307

Re: Quality decline in off-brand alkaline batteries?

For alkaline batteries, the chemical composition should be the same, but the quality of manufacturing may vary.

I have good experience with name brand ones as well as Kirkland brand batteries. I also store unused batteries in the freezer to slow down the process of discharging over time.
by HueyLD
Mon May 15, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 3826

Re: Scolded by my adviser at F******* !

I assume that nothing is private, especially online surveys.

Not withstanding the above assumption, I will only participate in surveys if I can express my opinion freely.

I guess your advisor was a bit over the top. Next time tell him to pound sand.
by HueyLD
Mon May 15, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 27
Views: 2691

Re: Anyone use "MyPillow" pillows?

My Pillow Settles Consumer Lawsuit Over Health Claims for $1 Million

http://www.consumerreports.org/my-pillo ... ettlement/
by HueyLD
Mon May 15, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4472

Re: Doctor wants Social Security number

I don't give out my SSN unless its is required by law, period.

If a company insists on getting my SSN without a solid legal reason, I refuse to do business with the company.
by HueyLD
Mon May 15, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 49
Views: 4414

Re: Tipping for restaurants where you order at the counter

Here's an ethical question for y'awl. If you get a meal during a restaurant promotion at a seriously, deeply discounted price (second entree for free, for example)--do you tip on the actual discounted price or the regular non-discounted price? The pre-discount price of course. The server's work is ...
by HueyLD
Sun May 14, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone sold TIPS prior to maturity
Replies: 21
Views: 1184

Re: Has anyone sold TIPS prior to maturity

Yes, the process was very easy and quick. Received multiple offers within 15 minutes.
by HueyLD
Sat May 13, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Do I have to file Form 4868 for extension of Solo 401k contribution deadline?
Replies: 5
Views: 245

Re: Do I have to file Form 4868 for extension of Solo 401k contribution deadline?

From Pub 560 under Qualified Plans: Contributions A qualified plan is generally funded by your contributions. However, employees participating in the plan may be permitted to make contributions, and you may be permitted to make contributions on your own behalf. See Employee Contributions and Electiv...
by HueyLD
Thu May 11, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to maximize SS
Replies: 6
Views: 802

Re: How to maximize SS

This book has the updated info on SS. Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less by Mike Piper (Author) Buy the updated edition that includes all the changes to spousal choices. Another vote for Mike Piper's book. I ha...
by HueyLD
Wed May 10, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: SS question
Replies: 11
Views: 1217

Re: SS question

Yes if the widow's benefit is higher.
by HueyLD
Wed May 10, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: SS question
Replies: 11
Views: 1217

Re: SS question

Read my first post in this thread.

The step mom can collect based on her ex's record if she is unmarried and meets other criteria as explained in the post. That's the benefit available to a qualified ex-spouse. The ex-husband does not have to be dead for her to claim the ex-spouse benefit.
by HueyLD
Tue May 09, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer IBond in Treasury Direct
Replies: 7
Views: 708

Re: Transfer IBond in Treasury Direct

I transferred I bonds from one TD account to another TD account and none of the rates changed. Just FYI - if the amount transferred to another person is greater than $14k, you may have to file an informational gift tax return in addition to having to report the accrued interest on your income tax re...
by HueyLD
Tue May 09, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: SS question
Replies: 11
Views: 1217

Re: SS question

Additional information from a friend who is very knowledgeable in social security issues. This part pertains to Gail's step-mom's right as a widow (vs. as a (ex-)wife in the prior post): "Assuming the step-mother is over 62/60 as appropriate or will be at the time of filing: If Gail's father di...
by HueyLD
Tue May 09, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: SS question
Replies: 11
Views: 1217

Re: SS question

If you are divorced, but your marriage lasted 10 years or longer, you can receive benefits on your ex-spouse's record (even if they have remarried) if: You are unmarried; You are age 62 or older; Your ex-spouse is entitled to Social Security retirement or disability benefits and The benefit you are...
by HueyLD
Tue May 09, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer IBond in Treasury Direct
Replies: 7
Views: 708

Re: Transfer IBond in Treasury Direct

Would anyone know if one transfers an IBond that has been owned since Oct 2005 in TD account to another TD account holder if the fixed rate of that particular IBond would make the transfer to the new owner? Reason I ask is it would seem to be a good opportunity for TD to scrape off a higher yieldin...
by HueyLD
Tue May 09, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: 2018 HSA Contribution Limit Announced
Replies: 13
Views: 2872

Re: 2018 HSA Contribution Limit Announced

If my quick calculation is correct, we will not see an IRA contribution limit increase for 2018. We're not really even close. At March 31, 2017's CPI-U level, the unrounded contribution limit is $5,715.17. To hit $6,000--anything short of an even $500 is dropped--we'd need to see 5% inflation betwe...
by HueyLD
Tue May 09, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: SS Survivor Benefits
Replies: 13
Views: 1446

Re: SS Survivor Benefits

Assuming you're married more than 9 months.. The 10 year requirement is the marriage duration to receive divorced spouse benefits.

For the nine months part, it can be less than nine months if the death of the insured is accidental. Yes, accidental only.
by HueyLD
Sun May 07, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 21
Views: 3683

Re: Ally 1 Day Transfer

I recently opened an Ally savings account, and have been disappointed with the slow ACH transfers. All of my transfers into Ally from my local credit union take three full business days. I don't think it is the credit union; when I ACH to other banks or Vanguard, the funds are there overnight. I've...
by HueyLD
Sat May 06, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 947

Re: Southeast Asia for a week, in August first week

Thailand is super friendly with low costs and great food. Lot's to see and do from the big city (Bangkok) to elephant rides and zip lining in the northern country. ... not to mention the native "Long Neck" people and many incredible Wats. Cambodia has the Angkor Wat area which is truly am...
by HueyLD
Fri May 05, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medallion Signature for Vanguard Trust
Replies: 29
Views: 2169

Re: Medallion Signature for Vanguard Trust

+1 for the suggestions to walk into a Fidelity or Schwab office and set up the account there.... I didn't realize that Fidelity or Schwab had offices to walk into. I thought they were 100% online. One more thing that I learned from this forum. It depends on where you live. They may not have an offi...
by HueyLD
Fri May 05, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 35
Views: 2164

Re: Switching Auto Insurance, need advice on Roadside assistant

You specifically asked if roadside assistance claims would go to setting rates for liability and collision? Did you ask them the reasoning? They would not provide more specific information. But that's enough for me to be suspicious of ANY potential claim with the insurance company. I have insurance...
by HueyLD
Fri May 05, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 35
Views: 2164

Re: Switching Auto Insurance, need advice on Roadside assistant

I asked my insurance company and they mentioned that minor records in the CLUE among other factors were all considered in their rate setting process.

YMMV.
by HueyLD
Fri May 05, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 35
Views: 2164

Re: Switching Auto Insurance, need advice on Roadside assistant

Towing through AAA does not show up in your CLUE but the same through your insurance company's coverage will show up in your CLUE and may impact your premium.

There is no free lunch.
by HueyLD
Fri May 05, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Medallion Signature for Vanguard Trust
Replies: 29
Views: 2169

Re: Medallion Signature for Vanguard Trust

Getting a medallion signature guarantee (MSG) used to be routine, but it has become difficult to impossible. Again, YMMV applies as the ease of getting one is very much location specific. I learned from a recent experience that every bank/CU has its own rules regardless of the size of the bank. If t...
by HueyLD
Thu May 04, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Mail Order Pharmacy for my Mom?
Replies: 39
Views: 1665

Re: Mail Order Pharmacy for my Mom?

One more thing. At my retail pharmacy, if I have a question about a prescription, the pharmacist is right there. Most of the time, I only need wait a minute. Will mail order provide a pharmacist to answer questions for you? (I never tried this). Yes, but you may have to deal with press 1 for this, ...
by HueyLD
Thu May 04, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried couple purchasing a home?
Replies: 72
Views: 3807

Re: Unmarried couple purchasing a home?

Yes, you should have a legal agreement prepared by an attorney in California. Both of you need to agree on the choice of attorney. There are many issues to work out. A few very important ones are: (1) Definition of ownership percentage. If you put down 75%, are you going to be responsible for 75% of...
by HueyLD
Thu May 04, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you save if you don't have insurance?
Replies: 31
Views: 1991

Re: How much would you save if you don't have insurance?

If the ACA is repealed and you are uninsurable due to pre-existing conditions, you have a few choices: (1). Get a job, any job that provides insurance without regard to pre-existing conditions. I knew a few folks taking very lowly paid government jobs for insurance sake. (2). Take a chance and go wi...
by HueyLD
Thu May 04, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Would you exchange a 2001 4Runner for a 2007 Santa Fe?
Replies: 33
Views: 1856

Re: Would you exchange a 2001 4Runner for a 2007 Santa Fe?

I once asked my mechanic about owning a Hyundai.

He said that he loved customers' Hyundais because they were in the shop a lot. :shock:

However, he owned Hondas and Toyotas for his own family.
by HueyLD
Thu May 04, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Mail Order Pharmacy for my Mom?
Replies: 39
Views: 1665

Re: Mail Order Pharmacy for my Mom?

Be careful with mail orders if you live in a warm climate.

In the summer time, the temp inside of your mailbox can be over 120F and 100+ in mail trucks. The prescriptions can be destroyed fast under such high temps.
by HueyLD
Tue May 02, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Video TDR Failure - Microsoft - Arghhh!!!
Replies: 9
Views: 672

Re: Video TDR Failure - Microsoft - Arghhh!!!

Is there a computer shop in your area that can help you with Windows 10 update issues?

It is very frustrating indeed.
by HueyLD
Tue May 02, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO umbrella policy
Replies: 6
Views: 1152

Re: GEICO umbrella policy

Your passenger's bodily injury can be covered by: (1) "Medical Payments" coverage of your auto policy. (2). "Uninsured/Underinsured Motorist" coverage of your auto policy. The umbrella policy will cover the passenger's bodily injury only if you are at fault. You indicated that yo...
by HueyLD
Tue May 02, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Capital One 360 CD - won't allow beneficiaries?
Replies: 9
Views: 1023

Re: Capital One 360 CD - won't allow beneficiaries?

Ok, I have been researching today and may not be at fdic limits at synchrony after all. I was under impression the fdic limit was 250k but it looks like with an individual owner and 2 beneficiaries, the fdic amount will be 500k. Am I understanding this correctly? Thanks. If you own the account as a...
by HueyLD
Mon May 01, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Capital One 360 CD - won't allow beneficiaries?
Replies: 9
Views: 1023

Re: Capital One 360 CD - won't allow beneficiaries?

Are you sure you want a joint owner ILO a beneficiary?

A joint owner can withdraw the money without your consent and his/her spouse and creditors can have a claim on your money.
by HueyLD
Mon May 01, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Buy condo now, or wait a few years and then enter CCRC?
Replies: 25
Views: 2084

Re: Buy condo now, or wait a few years and then enter CCRC?

Has anyone experienced, or heard of, the situation of waiting too long? I.e., has health deteriorated to the point where the CCRC won't let you buy in once you are ready? Yes, see my post above as follows: "I learned from a CCRC resident that the facility would not accept someone who was not i...
by HueyLD
Sun Apr 30, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: does vanguard give a transfer bonus
Replies: 12
Views: 1685

Re: does vanguard give a transfer bonus

No, Vanguard doesn't need any money.
by HueyLD
Sun Apr 30, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella policy
Replies: 23
Views: 3139

Re: Turned down for umbrella policy

You can call other companies and ask. However, your "minor" claim record is in the CLUE database and all insurance companies have access to this database.

Good luck.
by HueyLD
Sun Apr 30, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Buy condo now, or wait a few years and then enter CCRC?
Replies: 25
Views: 2084

Re: Buy condo now, or wait a few years and then enter CCRC?

Since we would think that in 5 years or so we'd want to move to a CCRC closer to our kids (10 miles rather than 800 miles) anyway, we are thinking to not make the downsize move now, hope to make do with our current home for a few (3?) more years and then go to the CCRC. I learned from a CCRC reside...
by HueyLD
Fri Apr 28, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Law Changes
Replies: 13
Views: 948

Re: Tax Law Changes

afan wrote:I see several locked posts speculating about tax law changes.

Maybe the moderators could post a reminder about forum rules?


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