Search found 4218 matches

by HueyLD
Mon Aug 29, 2016 7:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 45
Views: 6569

Re: I think I found Rick Ferri

What a beautiful story, Taylor. Thank you so much for sharing.
by HueyLD
Mon Aug 29, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: Advice needed for period between company sponsored health insurance and Medicare
Replies: 6
Views: 607

Re: Advice needed for period between company sponsored health insurance and Medicare

There is one exception where one may decline Medicare Part A. Whether you should delay enrollment in Medicare so you can continue contributing to your HSA depends on your circumstances. If you work for a small employer (fewer than 20 employees), you typically need to take Medicare when you first qua...
by HueyLD
Mon Aug 29, 2016 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Can I use Spec ID
Replies: 5
Views: 278

Re: Can I use Spec ID

Do you keep prior statements (especially the year end ones)? If yes, you can go back to those statements and find your purchase dates.
by HueyLD
Mon Aug 29, 2016 6:49 am
Forum: Investing - Theory, News & General
Topic: What is the dividend yield of VWRD, 2% or nearly 3%?
Replies: 5
Views: 790

Re: What is the dividend yield of VWRD, 2% or nearly 3%?

Here is an important point one must be aware of whenever a dividend yield number is presented. Is it a TTM (trailing twelve month) yield or an yield based on the most recent distribution? Or is it a projected yield based on estimates? Hint: Bloomberg uses an yield that's different from that of Vangu...
by HueyLD
Sat Aug 27, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 59
Views: 8875

Re: Medallion Signature Guarantee

Good news!! You no longer need a signature guarantee to add another bank account to the TD link.
by HueyLD
Sat Aug 27, 2016 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Savings bonds co-owners and purchase limits
Replies: 9
Views: 490

Re: Savings bonds co-owners and purchase limits

"Two owners" are set up differently for electronic and paper bonds: Electronic bonds – primary owner with secondary owner. Only the first named owner (the primary owner) may make transactions (such as redeeming the bond). The primary owner can authorize the secondary owner to conduct trans...
by HueyLD
Sat Aug 27, 2016 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Draft Question
Replies: 3
Views: 370

Re: Vanguard Draft Question

First, have you converted to the new brokerage platform?

If yes, you need to order new check books.

If not, the old checks may or may not work because Wachovia was taken over by Wells Fargo quite a few years ago. I suggest that you call Vanguard for a definitive answer.
by HueyLD
Fri Aug 26, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 8382

Re: Vanguard's so so customer service

So, what would impress you then? Fill out the paper, get it notarized, witnessed and wait one month or longer for it to be processed? What if the agent designate should die in 30 days?
by HueyLD
Fri Aug 26, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2297

Re: Social Security - Spousal Benefits - Basics

The SSA link says: "Even if you have never worked under Social Security, you may be able to get spouse’s retirement benefits if you are at least 62 years of age and your spouse is receiving retirement or disability benefits." In other words, she cannot get the benefit unless you are also r...
by HueyLD
Fri Aug 26, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: TERM Life Insurance Only On Breadwinner?
Replies: 16
Views: 863

Re: TERM Life Insurance Only On Breadwinner?

You might want to consider taking those premiums for her "equal coverage now", and getting a bit more for you, and lesser coverage for her good advise do you have a preferred TERM life insurance company you could recommend, please? thank you Go to an independent insurance agent and obtain...
by HueyLD
Fri Aug 26, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 8382

Re: Vanguard's so so customer service

I forgot to mention additional verification steps. After the online POA form was filled out, Fido sent you an email to the email address on record and asked you to confirm and electronically sign the form. And then there was another email confirming that you have authorized another person as your POA.
by HueyLD
Fri Aug 26, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Auto W/D with SpecID (specific lot ID) turned on
Replies: 2
Views: 220

Re: Auto W/D with SpecID (specific lot ID) turned on

Bond fund with reinvest turned off and SpecID turned on. If I make manual withdrawals, the website asks me to pick from which lot(s) the shares are to be removed. Okay. But what if I turn on automatic withdrawals, how does VG choose which lots to sell from? Oldest (same as FIFO, right?) Newest? (LI...
by HueyLD
Fri Aug 26, 2016 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 8382

Re: Vanguard's so so customer service

The reason I'm asking is because Fidelity DOES require a similar process as Vanguard with the medallion signature if one wants to give full authority to another person. HOWEVER, there is an online authorization if you want to give "limited authorization" to act on accounts. Obviously, wit...
by HueyLD
Fri Aug 26, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 8382

Re: Vanguard's so so customer service

darkhorse346 wrote: Question regarding your IRA brokerage upgrades: Before the upgrade, did you have authority to manage your spouse's IRA? If you did, did you have to fill out forms and get medallion signatures? ... I went through this where I had authorization to trade my spouse's IRA account pri...
by HueyLD
Thu Aug 25, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: VG Flagship Select Services for an ALMOST High Income Individual
Replies: 7
Views: 1273

Re: VG Flagship Select Services for an ALMOST High Income Individual

JerseyBoy,

You are Flagship, right? You can send your Flagship rep an email asking such questions. (S)he should know the answer or refer you to someone in the Advisor group for assistance.

Good luck.
by HueyLD
Wed Aug 24, 2016 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum International Stock allocation with Vangaurd PAS
Replies: 12
Views: 573

Re: Minimum International Stock allocation with Vangaurd PAS

According to this Vanguard brochure ( https://personal.vanguard.com/pdf/vpabroc.pdf ), there is not a minimum allocation requirement for international investments.
by HueyLD
Wed Aug 24, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about VG PAS
Replies: 5
Views: 476

Re: Questions about VG PAS

Have you read this Vanguard PAS brochure ( https://personal.vanguard.com/pdf/vpabroc.pdf )? I think it provides answers to your questions.

In addition, it has a dedicated phone number of 1-800-416-8420 for additional questions.
by HueyLD
Tue Aug 23, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead advice in Chinese?
Replies: 7
Views: 552

Re: Boglehead advice in Chinese?

I don't even know what type of chinese. Maybe simplified? Even so, I don't know how to order off of those websites (dangdang and books.com.tw) because I can't know how to read the language at all. Any US sources? Have had no luck with amazon. Suggestions: (1) Ask your parents which version of writt...
by HueyLD
Mon Aug 22, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead advice in Chinese?
Replies: 7
Views: 552

Re: Boglehead advice in Chinese?

I am afraid that (Google) Translate did a "dumb" translation and the translated text is very difficult for someone who is fluent in Chinese to understand. The first question for the OP is: which version of Chinese do your parents prefer? For Traditional Chinese, you will have to purchase i...
by HueyLD
Mon Aug 22, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 52
Views: 5106

Re: Long wait on Vanguard Phone Lines-What's going on?

For those of you who decide to wait so long over the phone on hold....................... Why haven't you tried the call back option? Just wondering. I used the call back option twice with no problems. I was called back within one hour. The customer may be at work and cannot just wait for the call ...
by HueyLD
Mon Aug 22, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Please, please advise...Health insurance terminated by insurance company
Replies: 45
Views: 3235

Re: Please, please advise...Health insurance terminated by insurance company

My best guess is that the OP's did not finish the autopay signup process. As a result, the bills were never paid. Fortunately, he has been healthy and has had no need for health care. What the OP needs to do is to keep pressure on both the insurance company and the Marketplace. Get help as suggested...
by HueyLD
Fri Aug 19, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage cost basis problems
Replies: 10
Views: 803

Re: Vanguard Brokerage cost basis problems

Contact Karin Risi, managing director of Vanguard's Retail Investor Group and CEO Bill McNabb (if necessary).

Your prolonged cost basis problems are totally unacceptable.

You may want to consider moving your assets to a firm with a competent system.

Good luck.
by HueyLD
Thu Aug 18, 2016 6:32 am
Forum: Personal Consumer Issues
Topic: Orange cable from utility pole on the ground on my property
Replies: 47
Views: 3279

Re: Orange cable from utility pole on the ground on my property

In my area, there is a dedicated number to call if a person wants to dig around his/her own property and wants to avoid breaking any buried utility cables (light, heat, phone, cable). Is there such a number to call in your area? Try to search for one first. If not, call every utility company again. ...
by HueyLD
Wed Aug 17, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Issues
Replies: 102
Views: 8498

Re: Vanguard Customer Service Issues

Contact via secure email. As I have said before, [IF/WHEN I need to talk to anyone at Vanguard] I log on to my account and send Vanguard a secure email requesting Vanguard to give me a call whenever they are available. This seems to work for me. IF you have the time then sending a secure email coul...
by HueyLD
Wed Aug 17, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help. My boss is expecting me to read her mind.
Replies: 53
Views: 3397

Re: Help. My boss is expecting me to read her mind.

Yellowgirl.

Is English not your native language?

I suggest that you befriend a coworker who is willing to help you decipher between acronyms and actual names that look like acronyms.

And your boss does appear to be quite difficult.
by HueyLD
Wed Aug 17, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: Does a 1099-DIV break down the sources of bond interest?
Replies: 7
Views: 405

Re: Does a 1099-DIV break down the sources of bond interest?

Interesting. For the past five years I have had a variety of bond funds through Morgan Stanley, including some municipal and treasury exposure. I simply passed on my 1099-DIVs and account statements to my accountant. Do you think I should check my past tax returns to see whether I overpaid taxes on...
by HueyLD
Tue Aug 16, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 67
Views: 7077

Re: Vanguard upgrading to Brokerage account comes with some nuisances

Anybody have advice?

Move your money to a brokerage that provides good customer service?
by HueyLD
Tue Aug 16, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for clarification on IRA Rollover One-Per-Year rule
Replies: 16
Views: 557

Re: Looking for clarification on IRA Rollover One-Per-Year rule

e.g. let's say a 65-year old has two IRAs @ $50K each, one with Vanguard and one with Fidelity. He takes monthly distributions of $200/month out of the Vanguard IRA for living expenses. He decides to cash-in his Fidelity IRA to roll it over to Vanguard under the 60-day rollover strategy (not truste...
by HueyLD
Tue Aug 16, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for clarification on IRA Rollover One-Per-Year rule
Replies: 16
Views: 557

Re: Looking for clarification on IRA Rollover One-Per-Year rule

ddb, If you read § 408(d)(3)(B) carefully, you will see that the 1-year limitation period for rollovers starts from the date of the original distribution. In your example, it was 7/1/2016. The subsection of this code says: "This paragraph does not apply to any amount described in subparagraph (...
by HueyLD
Sat Aug 13, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard reps are giving conflicting information regarding opening account as non resident alien
Replies: 17
Views: 1170

Re: Vanguard reps are giving conflicting information regarding opening account as non resident alien

I'm an NRA (but a resident alien for tax purposes) as well, but had no trouble opening an IRA and Roth with Vanguard 3 years ago. I doubt that they changed the rules since I opened my accounts. But that was three years ago. The account opening form used to ask two questions, one about your citizens...
by HueyLD
Fri Aug 12, 2016 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reps are giving conflicting information regarding opening account as non resident alien
Replies: 17
Views: 1170

Re: Vanguard reps are giving conflicting information regarding opening account as non resident alien

satya wrote:I'm already a resident alien for tax purposes. Vanguard has specified multiple times I need residential status for citizenship, not taxes. I've taken my business to Fidelity where I don't have to deal with this nonsense.

Isn't competition wonderful?
by HueyLD
Fri Aug 12, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 25
Views: 1224

Re: How Much Cash for Wedding Gift?

Question - do they live in a HCOL area or a modest COL area?

For HCOL and a best friend - $200 - $250 per attendee.

For MCOL and a best friend - $50 - $100 per attendee.

Have a wonderful time at the wedding.
by HueyLD
Fri Aug 12, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 25
Views: 1224

Re: How Much Cash for Wedding Gift?

One of your best friends?

Have you asked them if giving cash is acceptable?

With two people attending and a best friend relationship, you should be reasonably generous.
by HueyLD
Fri Aug 12, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: How do you wire money?
Replies: 31
Views: 1823

Re: How do you wire money?

AlohaJoe wrote:
tetractys wrote:Wiring money is expensive. ACH/EFT is nearly free and you can do it all over the world. -- Tet


Can you explain in more detail how you use ACH all over the world?

I don't know any way to use ACH outside of the U.S.
by HueyLD
Fri Aug 12, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard reps are giving conflicting information regarding opening account as non resident alien
Replies: 17
Views: 1170

Re: Vanguard reps are giving conflicting information regarding opening account as non resident alien

I think Vanguard may have changed their account opening policy recently. A few months ago, I helped an H1B visa holder opening a new account at Vanguard. The form asked two questions. One was "citizenship" and the other was "tax residency." So, he checked country xyz under citize...
by HueyLD
Thu Aug 11, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate 30-day yield for a bond fund
Replies: 2
Views: 246

Re: How to calculate 30-day yield for a bond fund

The SEC yield has a very strange and specific definition. It is not what you think. The standardized formula for the 30-day SEC yield consists of four variables: a = interest and dividends received over the last 30-day period b = accrued expenses over the last 30-day period, excluding reimbursements...
by HueyLD
Thu Aug 11, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Series "I" BONDS - Transferring Ownership
Replies: 2
Views: 261

Re: SERIES "I" BONDS - TRANSFERRING OWNERSHIP

No. By continuing to hold the bond, you can continue to postpone reporting the bond's accumulated interest for federal income tax purposes until you redeem it, you transfer the bond to another person , or the bond stops earning interest. https://www.treasurydirect.gov/indiv/help/TDHelp/faq.htm#Trans...
by HueyLD
Thu Aug 11, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: HSA - Refund from provider
Replies: 3
Views: 292

Re: HSA - Refund from provider

See IRS Notice 2004-50. Q-37. An account beneficiary receives an HSA distribution as the result of a mistake of fact due to reasonable cause (e.g., the account beneficiary reasonably, but mistakenly, believed that an expense was a qualified medical expense and was reimbursed for that expense from th...
by HueyLD
Thu Aug 11, 2016 10:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 67
Views: 7077

Re: Vanguard upgrading to Brokerage account comes with some nuisances

Peter,

Are you allowed to hold Fidelity accounts living in Japan? Can you buy and sell without restrictions?
by HueyLD
Thu Aug 11, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: moving to Thailand: US taxes + how to get money back to the US?
Replies: 31
Views: 2661

Re: moving to Thailand: US taxes + how to get money back to the US?

AlohaJoe is right. The IRS says: Once you choose to claim an exclusion, that choice remains in effect for that year and all future years unless it is revoked. To revoke your choice, you must attach a statement to your return for the first year you do not wish to claim the exclusion(s). If you revoke...
by HueyLD
Thu Aug 11, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: moving to Thailand: US taxes + how to get money back to the US?
Replies: 31
Views: 2661

Re: moving to Thailand: US taxes + how to get money back to the US?

How much spread does the BKK make in currency translation?
by HueyLD
Tue Aug 09, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying mortgage, what???
Replies: 21
Views: 3203

Re: Not paying mortgage, what???

Not paying means not paying a cent. I know people who pocketed more than half a million dollars via a cash out refi and then lived on cash basis in luxury. They didn't have to move out for a long time and lived in their former house absolutely free. After they finally moved out, they could afford to...
by HueyLD
Tue Aug 09, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 67
Views: 7077

Re: Vanguard upgrading to Brokerage account comes with some nuisances

I don't know how many of the above posters have voice recognition at Vanguard but that has served as a workaround for a lot of paperwork that used to require a notary or signature guarantee. If you haven't already signed up for voice recognition, make sure you've done it. Yes, but certain forms sti...
by HueyLD
Tue Aug 09, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - why don't I 'feel' good about them?
Replies: 36
Views: 3455

Re: Vanguard - why don't I 'feel' good about them?

Levett wrote:Nicely said, tfb--e.g.,

"You intuitively figured out that managing investments and managing accounts are two separate things. Managing investments well (Vanguard) does not automatically translate to managing accounts well."

Lev

+ 2.
by HueyLD
Mon Aug 08, 2016 10:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 67
Views: 7077

Re: Vanguard upgrading to Brokerage account comes with some nuisances

If you have authorization to trade on a spouse's account, you will lose this after upgrading to a brokerage account. This can't be fixed online or by phone, it requires a notarized signature authorization form be completed. And this new form requires, in addition to your notarized signature, signat...
by HueyLD
Sun Aug 07, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Time to worry about Treasury Direct???
Replies: 31
Views: 3751

Re: Time to worry about Treasury Direct???

boater07 wrote: Don't need or have a smart phone. Flip phone more than adequate for our needs.
Am I a true Boglehead?

I have a very dumb flip phone and it can send and receive texts easily.

Have faith.
by HueyLD
Sat Aug 06, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Credit Check required: ALLY Savings Account!
Replies: 12
Views: 1041

Re: Credit Check required: ALLY Savings Account!

Welcome to the brave new world of identity verification. Here is how to unfreeze your credit with TU. " You may request a lift of your freeze from Trans Union online, by mail, or by phone. By phone: 888-909-8872. They will need your Social Security number, date of birth, Security Freeze PIN tha...

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