Search found 501 matches

by dual
Tue Aug 21, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Made a big mistake with HSA and looking to fully inform myself before my meeting with accountant.
Replies: 12
Views: 792

Re: Made a big mistake with HSA and looking to fully inform myself before my meeting with accountant.

Get a grip. What a hysterical reaction. This is not TAX FRAUD (scream ). When OP filed his returns he in good faith believed his policy was conforming. Have you read the rules on insurance plans? They are highly technical and I defy you to make a definitive ruling based on a description of a plan. I...
by dual
Tue Aug 21, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Made a big mistake with HSA and looking to fully inform myself before my meeting with accountant.
Replies: 12
Views: 792

Re: Made a big mistake with HSA and looking to fully inform myself before my meeting with accountant.

I say no harm no foul. You did a good faith effort to follow the rules. Change your insurance to a conforming plan and continue with your contributions to the HSA. If the IRS catches up with you (not likely), plead ignorance and pay the penalties. You will be no worse off than if you try to fix it n...
by dual
Tue Aug 21, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 85
Views: 3933

Re: Excessive Emergency Room Charges - Options?

This is not a fair question. The system is broken. It's not like they give you a list of prices, and you get a chance to "agree" to pay that amount. You get to agree or disagree if they should try to save you during a medical emergency. You don't get to haggle over the prices. You don't even get to...
by dual
Tue Aug 21, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 38
Views: 1130

Re: Discount broker stocks dive on news J.P. Morgan Chase to offer free trading

So I deposit $1 million, purchase VT and.... Nothing for 30 years. How do they make money out of me as a BH? The dividends will land in the settlement/sweep account where they likely will earn below market interest. Also, I think they can lend your shares of VT and charge the short-seller interest.
by dual
Sun Aug 19, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Tax-Advantaged Small-Cap to another broker
Replies: 7
Views: 294

Re: Transferring Tax-Advantaged Small-Cap to another broker

but why would you want to hold vanguard funds outside of vanguard? For simplicity. I have been doing some estate planning and I want to consolidate accounts to make it easier for my heirs. Thanks for the suggestions. My preference is to consolidate at Fidelity. I will call them next week to see if ...
by dual
Sun Aug 19, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Tax-Advantaged Small-Cap to another broker
Replies: 7
Views: 294

Transferring Tax-Advantaged Small-Cap to another broker

I want to transfer my VTMSX to another broker but it has a large unrealized capital gain so I do not want to sell it. Is there a way to transfer it? It looks like the fund only has Admiral shares--no investor class. Is this correct? I found a thread on Morningstar that discusses holding Admiral shar...
by dual
Sat Aug 18, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 57
Views: 8333

Re: The Fall of Consumer Reports

I never had much use for CR. They consider themselves experts on everything from orange juice to computer flash drives to cars and trucks to house roofing and everything else where they assert their expertise. Whenever they review something where I have in-depth knowledge I do not agree with their c...
by dual
Fri Aug 17, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: My Wife is going to do an independent contracting job-401k?
Replies: 10
Views: 623

Re: My Wife is going to do an independent contracting job-401k?

You are a lot better off researching this yourself than relying on random strangers on a website. A quick search turns up this https://www.irs.gov/retirement-plans/one-participant-401k-plans Go to your public library and look up the JKLasser tax book and other references. My experience I made my liv...
by dual
Fri Aug 17, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 632
Views: 38177

Re: It's not enough to mumble "Stay the Course" ??

" Stay the course . No matter what happens, stick to your program. I've said "Stay the course" a thousand times, and I meant it every time. I t is the most important single piece of investment wisdom I can give to you. " -- Jack Bogle in "Common Sense on Mutual Funds" (underline mine) Enough said. ...
by dual
Mon Jul 30, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 25
Views: 1703

Re: Charitable Family Foundation - Best way forward

I’m wondering whether if my wife and I have skills that would help worthy international charities, would creating our own foundation more easily allow us to expense our travel in support of these causes? See this article at the Wall Street Journal. Apparently the tax law on foundations has a lot of...
by dual
Thu Jul 26, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3775

Re: negative comments about "Brazil nuts"

Some comments: Why Brazil nuts? Although selenium content is taken as negative by some here, it actually has many benefits. Roy Walford's book The 120 year diet has a great discussion in Ch. 7 including references to the relevant scientific papers. Selenium is toxic in large quantity. Walford discus...
by dual
Sat Jul 21, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Family Foundation - Best way forward
Replies: 25
Views: 1703

Re: Charitable Family Foundation - Best way forward

IANAL but interested in the topic. I think posters should answer the OP's question instead of trying to talk him out of it. His points make sense. See https://www.bogleheads.org/forum/viewtopic.php?f=11&t=252131&newpost=3981988 and the post by senex on the difficulty of evaluating charities. Some su...
by dual
Thu Jul 12, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2837

Re: How to plan for health insurance at a young age?

[ No, they are actually not very rare. They occur on a regular basis. In fact, companies that provide health coverage generally reinsure against claims over $1 million. The ACA addressed some of the issues regarding reinsurance. https://healthpayerintelligence.com/news/reinsurance-changes-payers-ca...
by dual
Thu Jul 12, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2837

Re: How to plan for health insurance at a young age?

I am all for open, honest discussions. These ministries seem to be put forth when people ask about health insurance. They are not health insurance, that would a good place to start the discussion. OK, let's have a discussion. Why are they not health insurance? What is your definition of health insu...
by dual
Wed Jul 11, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2837

Re: How to plan for health insurance at a young age?

The presumption here seems to be that you absolutely must have medical insurance. What about self-insuring? I am sure someone will immediately come up with some scenario where care for an illness costs millions. Illnesses that will cost near a million to treat and will leave you with an expectation...
by dual
Wed Jul 11, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 2837

Re: How to plan for health insurance at a young age?

The presumption here seems to be that you absolutely must have medical insurance. What about self-insuring? I am sure someone will immediately come up with some scenario where care for an illness costs millions. Well, those are exceedingly rare else no one could afford insurance. In that scenario yo...
by dual
Mon Jul 02, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 222
Views: 20015

Re: Vanguard to offer non-Vanguard ETFs commission-free

This is nice but as a Flagship member I get IIRC ~20 commision free trades per year. I have never come close to the limit.
by dual
Sun Jul 01, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Rented car, got rear ended - hit and run
Replies: 20
Views: 2322

Re: Rented car, got rear ended - hit and run

Please keep us posted as this saga progresses. I have heard of rental car coverage through a credit card, but no tales of how well it works in real life. You're doing us a public service by posting your experience. Good luck! My story: Driving down the street in Tucson I heard a loud crack, looked ...
by dual
Thu Jun 28, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2120

Re: AOL - update to terms of service

I have a website and domain that I use for a permanent email address but ran into the following problem: Apparently my ISP also hosts some sites that are considered spammers. Although they have a different URL apparently they share some of the IP address for my website so some spam filters tend to f...
by dual
Wed Jun 27, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6850

Re: Umbrella Policy: Right amount for $7 mil net worth?

I do not understand making a connection between your net worth and the umbrella policy amount. AFAIK juries are not told the amount of your insurance or your net worth so the award should not be related. Once a jury awards above say $1 million then the sky is the limit and the amount actually awarde...
by dual
Thu Jun 14, 2018 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1455

Re: Anyone buying Individual Short Term Treasuries?

https://i.imgur.com/kr5mTfo.png?1 Tbill rates: http://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yield Date 1 mo 3 mo 6 mo 1 yr 2 yr 3 yr 5 yr 6/1/18 1.74 1.92 2.1 2.28 2.47 2.61 2.74 6/4/18 1.77 1.94 2.13 2.3 2.52 2.64 2.78 6/5/18 1.82 1.94 2.13 2.32...
by dual
Thu Jun 14, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard/Fidelity automatically deduct QCD from RMD?
Replies: 27
Views: 2587

Re: Will Vanguard/Fidelity automatically deduct QCD from RMD?

Definitely do not do a QCD any earlier than the day you attain age 70.5, preferably after that date. Under the QCD rules, the IRA owner must be at least age 70 ½ to do the QCD to the charity (and notably, the IRA owner must actually be age 70 ½ or older on the date of distribution, not merely turni...
by dual
Thu Jun 14, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Anyone buying Individual Short Term Treasuries?
Replies: 19
Views: 1455

Re: Anyone buying Individual Short Term Treasuries?

Sandtrap wrote:
Thu Jun 14, 2018 9:16 am
Considered Short Term Treasuries last month.
Bought Short Term Brokered CD's instead.
j
Can you give an example of a 6 month CD at vanguard, Fidelity, Schwab etrade that beats the same term Tbill?
by dual
Thu Jun 14, 2018 2:12 am
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard/Fidelity automatically deduct QCD from RMD?
Replies: 27
Views: 2587

Re:

in my case. However, I will not be turning 70 1/2 until early December, 2018 and it is very important that Vanguard reports the IRA withdrawals associated with my QCDs as having occurred before the end of 2018. According to the IRS: https://www.irs.gov/retirement-plans/plan-participant-employee/ret...
by dual
Mon Jun 11, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4807

Re: Water heater installation situation

I have an indoor water heater but the new code requires them to be outside. Trouble is the long run takes forever to get hot water and is wasteful. I found that installers for places like HomeDepot were not willing to do what I wanted so I found a local handyman who did it. That was in 2009 and it h...
by dual
Sun Jun 03, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Advice - Retiring Soon
Replies: 18
Views: 1714

Re: TSP Advice - Retiring Soon

If you decide to continue monthly withdrawals, consider rolling the TSP to an IRA with a broker like Schwab, Etrade, etc. *You get a lot more and better investment options *The administration will be easier and less error prone. *you can earn a nice transfer bonus (see the thread here on BH or http:...
by dual
Mon May 28, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 44
Views: 2732

Re: Considering iPad to replace failing Nexus tablet

Infrequent but necessary
...
Kindle app
Due to the Apple tax, you cannot buy ebooks from the Ipad Kindle App. You can buy them by logging in to your Amazon account on the Ipad browser and then downloading to the App.
by dual
Mon May 28, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding IRS hassle: Form 4868 and miscategorized EFTPS payment
Replies: 8
Views: 898

Re: Avoiding IRS hassle: Form 4868 and miscategorized EFTPS payment

Somewhat off topic but relevant. Why use EFTPS? I pay my taxes with my BofA Premium rewards credit card. Since I have over $100K in my MerrillEdge account, I get an effective rebate of 2.625% with no limit on the maximum yearly rebate. The payment on pay1040.com charges 1.87% so I make 0.755% on the...
by dual
Sat May 26, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Computer RAM Prices
Replies: 11
Views: 1378

Re: Computer RAM Prices

Ok, you got me to go look at ram prices for the first time in nearly a decade... Looks like $50 buys about 4GB. My goodness they have gone up. Here is the price for 8 gigabytes (GB) from my last PC build in 2012 (still going strong :!: :D ) 1 of: Corsair Vengeance 8 GB ( 2 x 4 GB ) DDR3 1600 MHz (P...
by dual
Mon May 07, 2018 1:52 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 29
Views: 2942

Re: Making it easier to track posts from the OP

Some points: 1. A browser search ctrl+F only works on the current page. It has to be repeated for multi-page threads. 2. My experience is that the google forum search is usually several days behind. Apparently they do not crawl the site very often. I do not have experience with the gear search to se...
by dual
Mon Apr 23, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3665

Re: Need to cut the cable cord - is there an alternative?

Wish I could convince DW to cut the cable cord :( Does she have particular shows she wants to watch? A lot of resistance to change is not rational. My sisters pay over $300/month on cable bills (don't ask) and then end up watching old movies on youtube but I cannot convince them to cut the cable. T...
by dual
Thu Apr 19, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 36
Views: 3975

Re: Negotiating for a new Toyota.

I have been emailing with a sales person at the local Toyota dealership. I've bought two Camrys from the dealership (1992, 2006). Should I look elsewhere.? Does Costco have a pricing service to help you get better prices? Any other pricing services? Yes. According to the BH thread on email car buyi...
by dual
Sun Apr 08, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8558

Re: New faster DNS - 1.1.1.1 by CloudFlare

As far as the tired aphorism about being the product, I offer Cory Doctorow’s comment at https://mobile.twitter.com/doctorow/status/980786713273364481 Doctorow: But they're just ahead of the curve. If you spend $500K on a John Deere tractor, you're the product. If you spend $80,000 on a luxury GM c...
by dual
Sun Apr 08, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can we discuss renting a car? [Insurance]
Replies: 25
Views: 1513

Re: Can we discuss renting a car?

I will be traveling to the grand canyon for a week and looking to rent a car for that week out of Las Vegas. I am from NYC so I dont have my own auto insurance. Two types of insurance needed: 1. damage to car--most credit cards cover this. 2. lawsuit against you for anything associated with the car...
by dual
Sat Apr 07, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 9332

Re: Series I Bonds in April/May 2018

It might actually cost you more to wait since the current variable rate is 2.48% (so 2.58% total rate). If you wait until May and there is no change and then decide to wait November to see if there is a change then with the $10,000 sitting in a low interest savings account this entire time - even i...
by dual
Thu Apr 05, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 80
Views: 21182

Re: Treasury Direct is a waste of time

CedarWaxWing wrote:
Fri Feb 26, 2016 2:04 pm
Fclevz wrote:If you're going for bills, notes, or bonds, it's nice that at any major brokerage, you can buy new auction treasuries without commission, or hassle.
Including at VG I think.

m
but NOT Merrill-Edge. They charge $50--treat as regular bond purchase :annoyed
by dual
Tue Apr 03, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 4491

Re: Comparison of grocery prices?

wrongfunds wrote:
Thu Mar 29, 2018 5:11 pm
I suppose I could tell you about prices at Market Basket but I already did that on FatWallet :-)
Now that is spooky :)

Fatwallet has been out of business for about a year.
by dual
Mon Mar 19, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: small non-folding bicycle recommendations
Replies: 12
Views: 592

Re: small non-folding bicycle recommendations

This bike is 5 lbs less (23 lbs) but costs $220 more than the one I linked to above ($400+shipping).

Also 8 vs 7 speed and quick release wheels

https://www.amazon.com/EuroMini-Lightwe ... B079BHDRJW
by dual
Mon Mar 19, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: small non-folding bicycle recommendations
Replies: 12
Views: 592

Re: small non-folding bicycle recommendations

Thanks for the suggestions. I will look into folding bicycles. A quick search on Amazon turns up some possibilities for under $250 such as this one: https://www.amazon.com/dp/B007WE8OIM/ref=sspa_dk_detail_0?psc=1&pd_rd_i=B007WE8OIM&pd_rd_wg=iFXlF&pd_rd_r=D0PXVNTAZ9PJXR3WXMGS&pd_rd_w=GUa2M I was conc...
by dual
Mon Mar 19, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: small non-folding bicycle recommendations
Replies: 12
Views: 592

small non-folding bicycle recommendations

I am looking for a bicycle to take to a nearby park to ride. I have a mini-van so I do not need a folding bicycle but I would like one that is smaller than a regular bike and lower weight so it is easier to put it into the van. I am 5 feet 6 inches and weigh 130 lbs so it does not have to be super-s...
by dual
Sat Mar 17, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 9993

Re: Need for Medicare supplemental plan?

My approach is to insure for events that may make a financial difference so I carry Plan F high deductible. I have had it for about 5 years now without making a claim. In that time, the savings in premiums over say the regular Plan F will pay for the deductible for two years and then some. I can fun...
by dual
Sun Mar 11, 2018 1:42 pm
Forum: Investing - Theory, News & General
Topic: How banks create money, not from deposits
Replies: 132
Views: 11978

Re: How banks create money, not from deposits

For a good explanation of the creation of money by banks see Naked Money by Charles Wheelan. Wheelan is too easy on fiat money and too dismissive of asset backed currencies but if you take into account his bias his explanations are clear.
by dual
Sat Mar 03, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 4437

Re: What are the Best Tablet to Read PDFs?

But how would he be able to share the handwritten notes with other people unless the software allows to embed that information in to widely used file format aka another pdf file? Do Apple/Microsoft/Samsung/Sony product have the ability to do that? The annotated document is saved by the Sony as a pd...
by dual
Sat Mar 03, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 4437

Re: What are the Best Tablet to Read PDFs?

Unlike epub, pdf documents will not reflow to accommodate the screen size of your device. Scientific papers are formatted for large journal pages and use small fonts to reduce their length in the paper journal. Therefore, you need a large tablet to be able to read them as you would on paper. Of the ...
by dual
Fri Mar 02, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: What are the Best Tablet to Read PDFs?
Replies: 29
Views: 4437

Re: What are the Best Tablet to Read PDFs?

I am on the market for a tablet to read scientific papers, mostly in PDF. An ideal tablet will have a pen to write notes on the margin, etc. Any recommendation? Thanks! The Sony DPT-S1 fulfills your requirements and then some. It's expensive but well worth it. The newer version, the DPT-RP1, is goo...
by dual
Thu Mar 01, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1141
Views: 196571

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

What are good websites for checking current transfer bonuses? Here are some that I check: https://investorjunkie.com/current-stock-broker-promotions/ decent selection. Has IRA offer section. http://www.hustlermoneyblog.com/best-brokerage-bonuses/ No separate IRA section p.s. This is a good thread bu...
by dual
Mon Feb 26, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do these mock 2018 taxes look right?
Replies: 2
Views: 571

Re: Do these mock 2018 taxes look right?

I used this spreadsheet for my planning ( :D substantial savings over this year)

https://sites.google.com/site/excel1040 ... ew-tax-law

Can't vouch for accuracy but seems well done and I like the results :happy
by dual
Tue Feb 20, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Ins. Drop Comprehensive and Collision?
Replies: 13
Views: 1073

Re: Auto Ins. Drop Comprehensive and Collision?

I buy cars new then drive them into the ground. I never carry collision or comprehensive even when the cars are new. Insurance is for events that will make a difference in your life. I can repair or replace a car without it affecting me financially at all. Why hassle with jumping through the insuran...
by dual
Fri Feb 16, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 12704

Re: I'm Cancelling My Home Insurance

flossy21 wrote:
Fri Feb 16, 2018 3:39 pm
The point being that your exposure here could easily exceed your net worth.
OP says he has an umbrella policy.
by dual
Fri Feb 16, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 12704

Re: I'm Cancelling My Home Insurance

You buy insurance for something you can't afford to lose and you shouldn't buy what you don't need. +1 I do not buy collision, comprehensive, uninsured coverage for my car. I do buy 300K/500K liability and have a $2 Million umbrella policy. I am interested whether you will be able to get an umbrell...