Search found 528 matches

by verbose
Fri Feb 16, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Average Cost to SpecID questions: Did Vanguard do this correctly?
Replies: 51
Views: 1586

Re: Average Cost to SpecID questions: Did Vanguard do this correctly?

Vanguard did this to my teen’s UTMA. I had never sold anything and before the first sell (years after the first buy), I selected spec ID. The cost basis was all average cost. Well, that’s just wrong. The initial shares were uncovered. I would have had to be paying attention to future sell decisions ...
by verbose
Thu Feb 15, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: When can a married person file Single or Head of Household? [temporary absence question]
Replies: 28
Views: 978

Re: When can a married person file Single or Head of Household? [temporary absence question]

Here is the text from pub 501: You and your qualifying person are considered to live together even if one or both of you are temporarily absent from your home due to special circumstances such as illness, education, business, vacation, military service, or detention in a juvenile facility. It must ...
by verbose
Mon Feb 12, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Determining Correct Federal Income Tax Liability/Withholding
Replies: 8
Views: 730

Re: Determining Correct Federal Income Tax Liability/Withholding

The married status and the allowances worksheet (the first page of W4) assumes that only one spouse works and has only one job. If that were the case, then your withholding would be close to your tax liability. You must use the two-earner/two-jobs worksheet on the second page of the W4. For correct ...
by verbose
Fri Feb 09, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: sudden overnight problem with spam email
Replies: 20
Views: 1371

Re: sudden overnight problem with spam email

About fifteen years ago, the email account I used for everything had become so clogged with spam that it was almost unusable. So I set up new email addresses using separate addresses for different functions. I used one for everything official (gave it out to businesses, set up accounts with it, boug...
by verbose
Thu Feb 08, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4074

Re: Who has had a pool?

We bought a house with an existing above-ground pool in 1998 in the midwest. The pool was usable from late May through late August. It was 36k gallons, about 3 feet deep throughout, rounded-rectangle shaped. Most of the existing pool equipment was in missing or in poor condition when we bought the h...
by verbose
Tue Feb 06, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Analysis Paralysis on Replacing Smoke Detectors and Thermostats
Replies: 4
Views: 345

Analysis Paralysis on Replacing Smoke Detectors and Thermostats

I know that analysis paralysis usually refers to investing, but in this case, I am stuck on buying smoke detectors and thermostats. Our home was built 10 years ago and it's time to replace the smoke detectors. There are 7 smoke detectors, hard-wired and interconnected. They are builder-grade and ver...
by verbose
Mon Feb 05, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 33
Views: 4334

Re: Dental bill four years after service

OP resolution of this issue: I found out which insurance I had at the time and started researching this bill. But then I received a second bill stating that I only owed $56 for "previous balance" and no mention of the first bill for thousands of dollars. With it being near the holidays, I decided th...
by verbose
Wed Jan 24, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Lost my husband's SSA account
Replies: 19
Views: 2249

Re: Lost my husband's SSA account

Yes, that's it exactly. I'm dreading trying to explain to him why he has to make the call and why it even matters. While I have no legal qualifications for such an opinion, I doubt it is by the letter of the law and regulations appropriate for you to assume the identity of your husband. I suggest yo...
by verbose
Wed Jan 24, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Lost my husband's SSA account
Replies: 19
Views: 2249

Lost my husband's SSA account

Years ago, I created an SSA account for my husband (I do all his administrative tasks unless they require a male voice on the phone or his actual presence). Given that we are 20+ years from retirement, I didn't log in very often. Somehow, I managed to save my SSA account credentials in our password ...
by verbose
Tue Jan 23, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Practical usage of 529 for K-12 tuition, what is academic period
Replies: 0
Views: 168

Practical usage of 529 for K-12 tuition, what is academic period

I'm trying to figure out the exact changes I need to make to use my children's 529 accounts for private school tuition. Specifically, this is the Missouri 529 and I am a Missouri resident. The MOST (Missouri 529) site has a statement indicating that Missouri residents can use this feature this year ...
by verbose
Thu Jan 11, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Who should claim dependent?
Replies: 5
Views: 440

Re: Who should claim dependent?

According to Publication 501 (section: qualifying child of more than one taxpayer), the IRS has rules for this situation. Based on the facts given in your post and assuming all three of you lived together all year, the parent with the higher AGI can claim the child. While your incomes may be very cl...
by verbose
Sun Jan 07, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: Understanding new 529 rules
Replies: 3
Views: 494

Re: Understanding new 529 rules

I’m seeking clarification from my kids’ schools about what is “incurred during the tax year.” Tuition can be paid annually in July, semi-annually in July/December or monthly. I am paying monthly. So, is the amount I will pay in 2018 for 2017-2018 incurred during 2018 or was it incurred in 2017 but I...
by verbose
Wed Jan 03, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of new bill on paycheck?
Replies: 18
Views: 2085

Re: Impact of new bill on paycheck?

I had to file new W4 because the previous ones had been adjusted during 2017 to account for inconsistent income in an attempt to get withholding close to tax due. Those allowances were artificially high. I tried to guess how many allowances we would have under the new system, but since an exemption ...
by verbose
Wed Dec 27, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Reported wrong cost basis on 2016 taxes
Replies: 0
Views: 191

Reported wrong cost basis on 2016 taxes

I have just realized that I incorrectly reported cost basis last year when capital-gain harvesting my child's UTMA account, while preparing to tax-gain harvest for this year. I sold uncovered shares and set the cost basis method to specific lots. I believe I identified the lot sold when I sold it, t...
by verbose
Wed Dec 27, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Insurance Question
Replies: 12
Views: 1078

Re: Car Accident Insurance Question

I googled this insurance company and read some of Google's online reviews. The reviews are universally horrible--no matter who wrote them and what interaction they had with the company. There's no link to post--just google Mendota insurance and reviews show up on the side. The reviewers are struggli...
by verbose
Fri Dec 22, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Using 529 for grade school- help with strategy
Replies: 45
Views: 3875

Re: Using 529 for grade school- help with strategy

We have two kids in private schools now. Tuition for the 10th grader is almost 10k and for the 4th grader it’s 4k. Missouri allows a state tax deduction for 529 contributions up to 16k for married couples. The maximum tax benefit is $960. We have never contributed that much, partly because we are pa...
by verbose
Tue Dec 19, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3061

Re: Hotel $50-500/night Expectations

I don’t know if you can get anything for $50/night that meets any sort of standard besides “has a roof and a door.” About fifteen years ago, we had to stay in a hotel in a suburb of Indianapolis due to an ice storm during our road trip. Getting off the highway at midnight, we only found rooms availa...
by verbose
Wed Dec 06, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 262
Views: 17889

Re: Do people still use AAA?

If people are relying on AAA to change a tire...you screwed up in life. THat should be a requirement for a drivers license. And if you're a guy a cant change a tire...pfffttt...nuff said. You may be referring to my post. How does a man change a tire without tools? The wrench broke. We had no way to...
by verbose
Wed Dec 06, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 262
Views: 17889

Re: Do people still use AAA?

I believe all roadside assistance is at the mercy of local providers, especially in rural areas. In 2002 (ok, it was a while ago), AAA was unable to send a tow truck when we blew a tire somewhere in the middle of rural Illinois because none of the local trucks would make a call on a Sunday. We waite...
by verbose
Sun Dec 03, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Re: Negotiating for a new car purchase

OP here, just wrapping up this thread: I finally got the $1000 back from the dealer that promised a car that never appeared. They told me they weren’t trying to pull anything. I still don’t believe them, but I got my money back and I don’t care anymore. I certainly won’t be shopping there ever again...
by verbose
Wed Nov 29, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 33
Views: 4334

Re: Dental bill four years after service

I wonder what kind of practice this is that an implant failed. I am queued up for my first implant and from what I have been told and read, the failure rate is like 1%. Mouses, I think the failure rate varies by the medical situation that created the need for an implant. I have a dental team that I...
by verbose
Mon Nov 27, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 33
Views: 4334

Re: Dental bill four years after service

HR has confirmed that the insurance was Assurant Dental. I have no idea what I should have owed because I never received an EOB and no longer have details of the plan. I sent an email to Assurant with names and dates, which is all I have. I don’t expect a prompt or helpful reply—and I can’t really b...
by verbose
Mon Nov 27, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 33
Views: 4334

Re: Dental bill four years after service

I don’t know the name of the insurance carrier. I know they had Delta Dental and Anthem Dental but there were a few others in there. Dental changed carriers every year. I have no idea who it was in 2013. I don’t want to call the dentist’s office without more information. I’m not ready to acknowledge...
by verbose
Mon Nov 27, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 33
Views: 4334

Dental bill four years after service

I just received a bill from a dentist for services in 2013. The dentist wants about $1500. Some relevant facts: - I did receive the services listed on the bill - I paid smaller amounts on the dates of service, whatever the office asked for - I had dental insurance at the time - I never received an E...
by verbose
Tue Nov 21, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1718

Re: Car Accident- challenge getting funds for repairs by responsible party/insurer

I was in a not-at-fault accident with a school bus several years ago. The commercial insurance information given to me did not resemble a private individual’s insurance card. There wasn’t enough information to make a claim. The “loss prevention” manager was my only contact and he was rude and unhelp...
by verbose
Fri Nov 17, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5700

Re: Car shopping tomorrow

I just bought a 2018 Civic Hatchback. I wanted Sensing but it was hard to find without moving up to a higher trim (the Navi trim that comes with satellite navigation and leather seats). There isn’t a lot of Civic hatchback inventory and they move fast. In my area, the 2017 Hatchbacks are almost gone...
by verbose
Sat Nov 11, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Various HSA Questions
Replies: 9
Views: 897

Re: Various HSA Questions

Just make sure your spouse does not enroll in a general purpose FSA. Almost all FSA plans provide coverage for a spouse. It does not matter whether it is used to reimburse your expenses or not. If you are covered under your spouse's FSA you become an ineligible individual and can not contribute a p...
by verbose
Fri Nov 10, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Various HSA Questions
Replies: 9
Views: 897

Re: Various HSA Questions

Yes I will have family HDHP for self + children. The HSA that will be opened in 2018 will be under my name. My spouse will have PPO for himself only with his employer.

Thank you for the responses. I understand it now.
by verbose
Fri Nov 10, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Various HSA Questions
Replies: 9
Views: 897

Various HSA Questions

I will have an HSA in 2018, the first time I am eligible to have one. I’ve read numerous threads on HSA accounts and record keeping, and yet I have a few questions those threads didn’t answer. The HSA is in my name for family coverage (myself plus kids). Megacorp won’t cover my husband because he ha...
by verbose
Tue Nov 07, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA: Trying to Make it Hassle-Free
Replies: 7
Views: 738

Re: UTMA: Trying to Make it Hassle-Free

I had to start filing tax returns for my daughter’s UTMA in 2009. I moved her account to another custodian in early 2009 to align with other investment accounts and realized a large loss (it was 2009, remember). So I carried forward a long-term capital loss until there was a capital gain to offset i...
by verbose
Mon Nov 06, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Re: Negotiating for a new car purchase

The dishonest dealership said they are going to mail me a check for my deposit today. The person who told me that was looking to the side as he said it. So I don’t know what’s true but I acted like I believed it. I’ll give it a week. I would never give a dealership a deposit (especially $1,000) unl...
by verbose
Mon Nov 06, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Re: Negotiating for a new car purchase

The dishonest dealership said they are going to mail me a check for my deposit today. The person who told me that was looking to the side as he said it. So I don’t know what’s true but I acted like I believed it. I’ll give it a week.
by verbose
Sun Nov 05, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Re: Negotiating for a new car purchase

So I bought a car, similar but not quite what I wanted, from a Honda dealer's inventory on Friday. This was a dealer I hadn't dealt with before. Everything was so reasonable. They did explain why I couldn't find the car I wanted--they just weren't made that way for inventory but I could order one at...
by verbose
Thu Nov 02, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Re: Negotiating for a new car purchase

I did not go there last night. I shifted gears and thought about other things and enjoyed an evening at home. When I am fully calm, I will reassess the situation. And you are right about the $1000. I did have a long timeframe to buy a car but that’s no longer true. Since Honda doesn’t actually make ...
by verbose
Wed Nov 01, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Re: Negotiating for a new car purchase

OP update: Apparently this car does not exist. While Honda could build the configuration I’m looking for, and one can build it on their website, they actually don’t make it. No one will say this, but it’s my conclusion. I can only get this car if I add a satellite navigation system that I don’t want...
by verbose
Wed Nov 01, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 1022

Re: HDHP now available, too many choices, overwhelmed

OP: I signed up for HDHP and am contributing 2600. With company contribution of 2000, this is a total of 4600. It’s short of the max but it’s something.
by verbose
Tue Oct 31, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 7060

Re: Unable to Escape from Quicken Island ...

I used Quicken for Mac from 1993 to 2012. As you know, Quicken’s future on the Mac had been insecure for years and remains tenuous, so I jumped to Moneydance. I had to go back and forth to Quicken cleaning up some of the errors that Moneydance would not import. Those errors were data corruption on t...
by verbose
Mon Oct 30, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 1022

Re: HDHP now available, too many choices, overwhelmed

PPO premium is about $3000/year. I’m new to the company. I started in June and chose PPO without looking too much because I had a lot of other stuff to deal with. This is all old-hat to other employees. Mega Corp is saving on time and this year (my first year) only giving us a recorded “webinar” to ...
by verbose
Mon Oct 30, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 1022

Re: HDHP now available, too many choices, overwhelmed

What is the full deductible for Family coverage and is there a co-insurance after? If you have co-insurance, then you may have to keep paying 10% or 20% (common numbers) after you hit your deductible. You should lay out all the premiums, deductibles, co-pays and HSA contributions and the company sh...
by verbose
Mon Oct 30, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 1022

Re: HDHP now available, too many choices, overwhelmed

Thank you, that hadn’t occurred to me. Just wanted to point out that you can "pay yourself back" from your HSA as funds accumulate. Early in the year, when you don't have much in the HSA but have medical expenses, you just pay them from your regular accounts (checking, CC, etc.). As money accumulate...
by verbose
Mon Oct 30, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: HDHP now available, too many choices, overwhelmed
Replies: 13
Views: 1022

HDHP now available, too many choices, overwhelmed

For the first time, I work for an employer that has HDHP with HSA. Open enrollment is this week, and it seems to be the best choice, despite high medical usage by one family member. I have employee + children coverage. Megacorp does not allow my spouse to be covered because his employer also offers ...
by verbose
Sat Oct 14, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Re: Negotiating for a new car purchase

In this area, http://ubs4cars.com/ is a very good service. We have used it twice for new cars. You can get/order the exact car you want and get the no hassle price, with NO "processing fee". One time, when I went to a dealer that was not contracted by them, the dealer agreed to give me the UBS pric...
by verbose
Sat Oct 14, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Re: Negotiating for a new car purchase

Update on this situation: I’ve had a lot of pointless communications with dealers, mostly them trying to find out “when can I come in.” None of them have the car I want in stock. They all say they can find it, but then they fail to follow up on that and fall back to asking me to show up in person. S...
by verbose
Sat Oct 14, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 58
Views: 4435

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

Social Security Master Death File. Insurance companies, and many other companies, are integrated with this system. Just Google the stories of live people accidentally added to this system. There may be some gruesome scenarios in which the death is not recorded, but that’s not what we are discussing ...
by verbose
Tue Oct 03, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 10668

Re: Senior citizens can lose everything [to professional guardians via court rulings]

This article is terrifying. I had no idea this problem existed but have been googling now and found plenty of corroborating articles, plus sites that show one how to become a “professional guardian.” I’m only middle-aged so what scares me most is the fate of my parents and in-laws. They are all over...
by verbose
Fri Sep 22, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Re: Negotiating for a new car purchase

Thanks for the help. They have my phone number now.

I will try to compose a better email. I'm looking for a Honda Civic, so it's a common vehicle and the markup on it isn't worth going too far out of the large metro area where I live.
by verbose
Fri Sep 22, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 86
Views: 7590

Negotiating for a new car purchase

I'm ready to buy a car. I test drove one, researched it, have the money ready, no trade in and no hurry. I've been contacting dealerships but they don't give me prices. It's all "when can you come in" and leaving me voicemail while I'm working. In my state, car dealerships have very limited hours th...
by verbose
Tue Sep 05, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 27689

Re: Name something you had to have and now you regret purchasing it?

Clothes that seemed to fit in the store but that I can't wear for more than 10 minutes without agony: mostly bras and shoes.
by verbose
Wed Aug 23, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Margin noob question
Replies: 19
Views: 1653

Re: Margin noob question

Margin buying power is highly regulated and very complicated. In a previous position, I worked on software code to calculate those amounts (for a different brokerage). What has been said about initial and maintenance amounts is mostly correct, but it depends what you buy and what you hold. Certain s...
by verbose
Wed Aug 23, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Returning / Exchanging purchased items ?
Replies: 24
Views: 1854

Re: Returning / Exchanging purchased items ?

I am always nervous returning items, but I do return them. I often buy clothing for kids/husband who are not with me and return it if it doesn't fit. It's easier than taking certain family members clothes shopping. I've bought the wrong thing and will return if it's unopened. I will return defective...