Search found 117 matches

by LSLover
Mon Feb 11, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 3515

Re: Passport Photos ?

Has anyone tried Passport Booth app?
by LSLover
Sun Feb 10, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 27
Views: 2122

Re: Mint Mobile feedback

I have tried Mint and really wanted to like it. But had a major (for me) issue with MMS/Group texts. It just did not work. When a group texts were sent by me to others they were not delivered to any of my group recipients. Other than that, it was working fine. I am a pretty advanced gadget guy. Can ...
by LSLover
Mon Feb 04, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Has anyone received from Ally the promised 1% already?
by LSLover
Sun Feb 03, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Standby Generator Battery
Replies: 9
Views: 688

Re: Standby Generator Battery

To those who have experienced issues with the battery, what was the life time for the battery of a standby power generator?
by LSLover
Fri Feb 01, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Divorce
Replies: 17
Views: 2447

Re: Inheritance and Divorce

Is there an established precedent as to how an inheritance (received during marriage) might be treated in case of a divorce? Is it subject to division? ... It is in about 1/4 of the states. Assuming you can trace the assets, it isn't in about 3/4 of the states. That's one reason our clients general...
by LSLover
Thu Jan 31, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Divorce
Replies: 17
Views: 2447

Inheritance and Divorce

Is there an established precedent as to how an inheritance (received during marriage) might be treated in case of a divorce?

Is it subject to division?

If yes, would avoiding a co-mingling of funds prevent such division?

Any input is appreciated.
by LSLover
Thu Jan 31, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 39
Views: 4721

Re: Takata Airbag Class Action Settlement

Thesaints wrote:
Thu Jan 31, 2019 11:24 am
LSLover wrote:
Thu Jan 31, 2019 11:10 am
Not sure if I ever filed a claim but received $500 check yesterday.

No repairs were ever made and no documentation submitted.
Could you disclose the car’s brand ?
Honda
by LSLover
Thu Jan 31, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Fed taxes on state refund
Replies: 15
Views: 1323

Re: Fed taxes on state refund

NotWhoYouThink wrote:
Thu Jan 31, 2019 7:46 am
OP, you didn't pay AMT last year did you? Because if you did the refund may not be taxable.
FWIW, I paid AMT last year and yet TurboTax insists on paying Federal tax on the State refund. I think it's a TurboTax's mistake and I overrode it.
by LSLover
Thu Jan 31, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 39
Views: 4721

Re: Takata Airbag Class Action Settlement

Not sure if I ever filed a claim but received $500 check yesterday.

No repairs were ever made and no documentation submitted.
by LSLover
Thu Jan 31, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Setting up Will, do we need trust?
Replies: 50
Views: 3490

Re: Setting up Will, do we need trust?

3. Leave them to the spouse but enter into an agreement with your spouse whereby you each agree to leave the retirement benefits equally between the two sides. Is this agreement a separate document or part/addendum of the Will? An agreement would be a separate document. The existence of this separa...
by LSLover
Thu Jan 31, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Setting up Will, do we need trust?
Replies: 50
Views: 3490

Re: Setting up Will, do we need trust?

bsteiner wrote:
Thu Jan 31, 2019 10:15 am

3. Leave them to the spouse but enter into an agreement with your spouse whereby you each agree to leave the retirement benefits equally between the two sides.
Is this agreement a separate document or part/addendum of the Will?
by LSLover
Wed Jan 30, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up Will, do we need trust?
Replies: 50
Views: 3490

Re: Setting up Will, do we need trust?

On another topic, some people have been conflating whether to provide for beneficiaries in trust rather than outright (almost all of our clients do that) with whether to create a trust for one's own benefit (some but not most of our clients do that). When you say for one's own benefit, are you refe...
by LSLover
Wed Jan 30, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up Will, do we need trust?
Replies: 50
Views: 3490

Re: Setting up Will, do we need trust?

On another topic, some people have been conflating whether to provide for beneficiaries in trust rather than outright (almost all of our clients do that) with whether to create a trust for one's own benefit (some but not most of our clients do that). When you say for one's own benefit, are you refe...
by LSLover
Sat Jan 26, 2019 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust and Incapacitation AZ
Replies: 10
Views: 705

Re: Living Trust and Incapacitation AZ

bsteiner wrote:
Sat Jan 26, 2019 9:15 pm
You could simply give someone a power of attorney to permit him/her to act for you.
I hear over and over again that a power of attorney is frequently rejected by the banks and other financial institutions. Wouldn’t this fact be a potential issue?
by LSLover
Tue Jan 22, 2019 6:17 pm
Forum: Personal Investments
Topic: HSA reimbursement for Medicare premiums
Replies: 10
Views: 806

Re: HSA reimbursement for Medicare premiums

HueyLD wrote:
Tue Jan 22, 2019 5:58 pm

And forget about itemizing on Schedule A because the AGi floor will likely render it almost worthless.
Can you elaborate on that point?
by LSLover
Fri Jan 11, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 174
Views: 16327

Re: Around 43K in dividends last year - feel good about it ?

Saying that $14K in dividends is terrible is equivocal. If you get that much in dividends on a $1M portfolio, it maybe tax inefficient. However, if you get these dividends on a $10M portfolio that would be suggestive of a very well planned after tax portfolio.

So, as always, it depends...
by LSLover
Sun Jan 06, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody use Vanguard Advantage do you need 1 million to avoid fees?
Replies: 23
Views: 3099

Re: Anybody use Vanguard Advantage do you need 1 million to avoid fees?

I've got VanguardAdvantage and, even though I'm only Voyager Select, they've never charged me the $30. Maybe someday they will, but I get the impression nobody is watching the store over there. Good for holding settlement funds for CC bills, but I'm never sure whether they will let me deposit check...
by LSLover
Sat Jan 05, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody use Vanguard Advantage do you need 1 million to avoid fees?
Replies: 23
Views: 3099

Re: Anybody use Vanguard Advantage do you need 1 million to avoid fees?

I've got VanguardAdvantage and, even though I'm only Voyager Select, they've never charged me the $30. Maybe someday they will, but I get the impression nobody is watching the store over there. Good for holding settlement funds for CC bills, but I'm never sure whether they will let me deposit check...
by LSLover
Fri Dec 14, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 906
Views: 72006

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Has anyone successfully transferred from healthEquity? I had a Fido rep call me yesterday saying they called HealthEquity to get a status on the transfer and they wouldn't tell them anything about the account. I received an account closure request email on November 30, it would seem HealthEquity is...
by LSLover
Thu Oct 25, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 27
Views: 2122

Re: Mint Mobile feedback

My wife has been with it for a year and found it fine. As a result, I just signed up. I'm a little worried about the 2 GB data limit (on the $15 plan), but we'll see. I'm usually right around 2 - 2.5 GB / month ... Initial experience suggests that what michael wrote above is right: you go to the en...
by LSLover
Wed Oct 24, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Mint Mobile feedback
Replies: 27
Views: 2122

Mint Mobile feedback

Those who have experience with Mint Mobile, do you like the service? How would you compare it to others?
by LSLover
Mon Oct 22, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2784

Re: Do I need laptop software?

If you use Quicken you need Windows laptop. At least for now...
by LSLover
Sun Oct 21, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I'm funding the Ally promotion by mobile check deposit. If you deposit the check on Friday, you gain 3 days of double interest (Fri, Sat, Sun). The check will only clear the debiting bank (in my case Vanguard) on Monday. It doesn’t work that way as interest will be accrued starting the next busines...
by LSLover
Sun Oct 21, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

...in my experience pulling is always the preferred option in any ACH transfer between two financial institutions. Is this just due to "motivation?" In other words, the bank doing the pulling is gaining something and wants it to complete ASAP, while pushing from the losing bank carries with it no m...
by LSLover
Sun Oct 21, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I don't think there is clarity in the new money being pushed in, as in transferred in by Vanguard, vs. being pulled in as in transferred in from Vanguard. I don't allow institutions to pull from my investment accounts so my transfer will have to be a push .. which means even though I have registere...
by LSLover
Sun Oct 21, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I don't think there is clarity in the new money being pushed in, as in transferred in by Vanguard, vs. being pulled in as in transferred in from Vanguard. I don't allow institutions to pull from my investment accounts so my transfer will have to be a push .. which means even though I have registere...
by LSLover
Fri Oct 19, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

The most popular bank on Bogleheads (Ally Bank) is offering 1% extra cash back on any "new" money added before 10/31. You are able to receive up to $1,000 back ($100k deposit). This is also combined with their 1.9% APY. Funds must remain in account until 1/15/19. Cash back bonus deposited by 2/15. ...
by LSLover
Thu Oct 18, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I guess either I'm missing something, or people aren't playing with a full deck. If the only account you open with Ally is a CD, and you then close the CD before the bonus is paid, and leave no open account with Ally, you won't get a dime. Says so right in the terms: Cash Bonus – Eligible customers...
by LSLover
Thu Oct 18, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Assume you put $100K into an 11-month no-penalty CD at 2.1% APY on 11/1/2018, and remove it on 1/15/2019 . Kevin Kevin, are you actually planning on closing the CD right after the cutoff (and transferring the $ back to your B&M bank)? I am "a little" concerned that if the CD account no longer exist...
by LSLover
Wed Oct 17, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Does a push from Vanguard to Ally qualify for this bonus once you register your email? Vanguard does not show up while setting up external accounts thru Ally. Yes, you can send from Vanguard to Ally, assuming you have setup your Ally on Vanguard to send to. No, you cannot pull from Vanguard to Ally...
by LSLover
Tue Oct 16, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

OP here.

Has anyone tried to fund the new account during the opening process (via ACH) with the funds from the account owned by a spouse (your name is not on the funding source)?
by LSLover
Mon Oct 15, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 629
Views: 67198

Ally Banking 1% extra back up to $1,000 on new money deposited

The most popular bank on Bogleheads (Ally Bank) is offering 1% extra cash back on any "new" money added before 10/31. You are able to receive up to $1,000 back ($100k deposit). This is also combined with their 1.9% APY. Funds must remain in account until 1/15/19. Cash back bonus deposited by 2/15. h...
by LSLover
Sun Oct 14, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 101
Views: 13613

Re: Downloadable Social Security Benefit Estimator (repost)

Neurosphere, My question pertains to professionals (physicians etc) who due to their long training frequently do not work for 35 years. Assuming that from day 1 to the last working day the annual salary of a professional is more than the social security wage base what is the minimum number of years...
by LSLover
Wed Oct 10, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Project FI promotion
Replies: 9
Views: 890

Project FI promotion

Project FI started a new $799 service credit promotion on the purchase of two Pixel 3 and/or 3XL. Considering their low plan pricing, the promo looks very interesting. https://fi.google.com/about/phones/ Those who have experience with Project FI, do you like the service? How would you compare it to ...
by LSLover
Fri Sep 21, 2018 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5379

Re: Delaying SS? How Long It Will Take for It to Pay Off?

https://www.fool.com/amp/retirement/2018/09/16/delaying-social-security-benefits-heres-how-long-i.aspx This article seems to contradict most of the break-even calculators I have seen before including those discussed on this forum. For instance, the article states that for those with FRA of 67, dela...
by LSLover
Thu Sep 20, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 9616

Re: Physical Banking - Any benefits anymore?

As an alternative to a bank notary, most UPS Stores offer notary services...
by LSLover
Mon Sep 17, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5379

Re: Delaying SS? How Long It Will Take for It to Pay Off?

My numbers ignoring inflation/COLA increases: Age 62 to age 70: $198,144 Age 62 to age 80: $445,824 Age 70 to age 80: $435,240 The crossover is indeed a bit over age 80. 80.5 looks about right. I've never bothered to model the return on that $198,144. If you assume an after-inflation, after-tax 3% ...
by LSLover
Sun Sep 16, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5379

Delaying SS? How Long It Will Take for It to Pay Off?

https://www.fool.com/amp/retirement/2018/09/16/delaying-social-security-benefits-heres-how-long-i.aspx This article seems to contradict most of the break-even calculators I have seen before including those discussed on this forum. For instance, the article states that for those with FRA of 67, dela...
by LSLover
Sun Aug 26, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 98
Views: 8980

Re: Shingrix

Per the manufacturer and our local pharmacies, it is supposedly easier to find the second shot now or will be shortly Just had my 2nd shot :) Are the two shots identical stuff? I asked that very question when my 2nd shot was administered and was told affirmatively. For some reason, however, I had m...
by LSLover
Wed Jul 25, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 72
Views: 8931

Re: I want to sell my home, but I don't want to fix it up

There are companies that buy houses as is. You don’t pay commission as there is no agent involved. I would try them just to see what they offer...
by LSLover
Wed Jul 04, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4382

Re: Anyone Tried Youtube TV Yet?

I am trying to estimate my expenses associated with YouTube TV. So, it is $40 per month. Are there any additional taxes or fees? I assume taxes and fees are dependent on the locality but would appreciate the ballpark number just to get an idea. Also, if I understand the setup correctly, all I would ...
by LSLover
Thu Jun 28, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning
Replies: 15
Views: 2110

Re: Estate Planning

Yes, in the situation where my wife and I die simultaneously or in close proximity, our son would get everything but we had our attorney write the the document so that the assets are doled out over a period of years. When you update your planning, you may want to leave his inheritance to him in a t...
by LSLover
Wed Jun 13, 2018 3:08 pm
Forum: Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 279
Views: 39999

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Would you be willing to share the spreadsheet you have set up? Sure. It's a Google Sheet, and here's the link to a view-only version: https://docs.google.com/spreadsheets/d/1xYVmM-a1POETySkBTtr25Ezd8_3MzKo43G_xv-CmwG8/edit?usp=sharing. With your Google account, you can make a copy to get an editabl...
by LSLover
Wed Jun 13, 2018 1:23 pm
Forum: Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 279
Views: 39999

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Why is there so much fluctuation in muni money market yields? Is it just a quick of how Vanguard reports the yield, or should we actually be moving money back and forth to exploit this? It's not a quirk in how Vanguard reports yield. I've verified it directly by calculating the yield based on the c...
by LSLover
Tue May 29, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 5942

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

In most states the seller signs a listing contract that identifies the selling and buying agent's commission. The seller pays the commissions out of the proceeds of the sale (yes the buyer's agent actually works for the seller not for the buyer). If that's the practice in your state you'd have to c...
by LSLover
Tue May 22, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 101
Views: 13613

Re: Downloadable Social Security Benefit Estimator (repost)

rbrand1 wrote:
Tue May 22, 2018 8:18 pm
I can't seem to get the downloadable version, which I uploaded into Google Sheets, to work. Has anybody else? :oops:

Thanks!
Yeah, it doesn't seem to work in Google Sheets...
by LSLover
Thu May 03, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2395

Re: Real Estate Commissions - How Negotiable?

FWIW, in my area of the country it is pretty common to split 50/50 with your agent his commission when buying.
by LSLover
Mon Apr 30, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: 6 month T-bills are at 1.99%
Replies: 55
Views: 6387

Re: 6 month T-bills are at 1.99%

The 6-month Treasury auctioned at about the same yield a few weeks ago--maybe at bit more than a month ago. I bought a small quantity then. Then it dropped, now it has come back. Fidelity yield summary page shows 6-month yield at 2.01%, so close enough--let's call it 2%. Prime money market yield is...