Search found 16 matches

by HeadTail
Thu Feb 20, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: help with possible phishing
Replies: 4
Views: 603

help with possible phishing

Two days in a row I received from mail an item I did not purchase. The first one was from amazon prime. Today I got something from an online vendor I've never heard of, let alone doing business with. This got me worried so I'm looking for advice and help. Let me (1) briefly describe what happened (2...
by HeadTail
Wed Oct 02, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: qualified medical expenses and long term care insurance
Replies: 2
Views: 369

qualified medical expenses and long term care insurance

I attended a presentation on long term care insurance, offered at work as an optional employee benefit. The presenter said that this policy is eligible as a qualified medical expenses, subjected to annual tax deduction limit (I didn't quite get the exact wording). According to google, we cannot use ...
by HeadTail
Sat Sep 28, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: How to evaluate long term care policy
Replies: 1
Views: 186

How to evaluate long term care policy

My workplace will add, as part of employee benefits, options for long term care insurance by Mutual of Omaha. MoO emailed me a sample quote and will give an in-personal presentation next week. The quote looks good (too good?) but I have no idea if that's reasonable. Let me share the quote with you w...
by HeadTail
Thu Mar 14, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: how to report qualified dividends
Replies: 8
Views: 721

how to report qualified dividends

(I've deleted the bulk of the initial post since the info was incorrect -- apologies. I left along the second question, which was answered by @smarcus3 and the answer might be of interests to others) Question #2: Does the amount 1013.26 include the exempted-interests dividend 48.85? This amount is r...
by HeadTail
Tue Mar 05, 2019 9:06 am
Forum: Personal Investments
Topic: Need to park about 1,000,000 for 7-8 months
Replies: 77
Views: 9432

Re: Need to park about 1,000,000 for 7-8 months

This is a purely theoretical question as I don't have that kind of money :-( : Is there any reason why nobody suggests a muni money market fund? I realize that the OP mentioned "very safe", but given the very short duration of MMF (muni or otherwise) the credit risk seems very minimal. Or is this a ...
by HeadTail
Sun Mar 03, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 16
Views: 3757

Re: Picking a VPN -- 2019

Taking a quick look at the history of VPN threads, we haven't had a good one in about a year. This new article in Slate does an excellent job of illustrating the trust issues surrounding VPN provider selection. https://slate.com/technology/2019/02/best-vpn-companies-trust-privacy.html I personally ...
by HeadTail
Sun Apr 08, 2018 1:29 pm
Forum: Personal Investments
Topic: Very short term investment
Replies: 17
Views: 1860

Re: Very short term investment

What about https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=1492&funds_disable_redirect=true The return (current SEC yield 2.17%) is comparable to a 1-year CD but the fund has no early withdrawal penalty. The underlying bonds are investment grade and are held to maturity, with ...
by HeadTail
Sat Apr 07, 2018 9:08 pm
Forum: Personal Investments
Topic: Very short term investment
Replies: 17
Views: 1860

Re: Very short term investment

What about https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=1492&funds_disable_redirect=true The return (current SEC yield 2.17%) is comparable to a 1-year CD but the fund has no early withdrawal penalty. The underlying bonds are investment grade and are held to maturity, with ...
by HeadTail
Sat Apr 07, 2018 3:35 pm
Forum: Personal Investments
Topic: Very short term investment
Replies: 17
Views: 1860

Re: Very short term investment

What about https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=1492&funds_disable_redirect=true The return (current SEC yield 2.17%) is comparable to a 1-year CD but the fund has no early withdrawal penalty. The underlying bonds are investment grade and are held to maturity, with a...
by HeadTail
Tue Apr 03, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 21828

Re: 2018 Forester vs CRV vs RAV4

One more question. I'm currently trying to figure out whether or not the rear vent situation (or center console rear vent) is changing in 2019 Forester. Let's say the 2019 Forester IS getting a center console rear vent and we wanted to wait for it. If so, what would be our options for commuting fro...
by HeadTail
Tue Mar 20, 2018 10:08 am
Forum: Personal Investments
Topic: When to close a muni bond fund
Replies: 2
Views: 572

When to close a muni bond fund

I need to close my Vanguard (national) muni short term bond fund. I would like to receive the dividend before I close it, but I couldn't find the date on Vanguard's website. Is there a fixed schedule (e.g. end of quarter/month), or does it vary from time to time? Thanks for your help!
by HeadTail
Wed Dec 20, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: AGI and pretax spending
Replies: 5
Views: 659

AGI and pretax spending

I have the option to pay for my health insurance, FSA and parking using pretax money, which I do of course. But I wonder if these items actually lower my AGI as reported to IRS? How might I find out? I try to look up my old W2's but I couldn't make sense of the numbers :(

Thanks!
by HeadTail
Wed Dec 20, 2017 1:13 pm
Forum: Personal Investments
Topic: 457 vs roth vs tradition etc
Replies: 5
Views: 654

Re: 457 vs roth vs tradition etc

First, thanks for your reply. As I understand your post, you put $18k into a 403b each year. And $18k into a governmental 457b each year. So you are already saving $36k in tax-deferred accounts each year. That is quite a lot! You now have the opportunity for a 3 year catch up - an additional $18k in...
by HeadTail
Sun Dec 17, 2017 6:54 pm
Forum: Personal Investments
Topic: 457 vs roth vs tradition etc
Replies: 5
Views: 654

Re: 457 vs roth vs tradition etc

retiredjg wrote:
Sun Dec 17, 2017 6:44 pm
I'm guessing you will have a pension from this job?

Are you single or married?
I have no SS nor pension. I do not have any dependent.
by HeadTail
Sun Dec 17, 2017 6:16 pm
Forum: Personal Investments
Topic: 457 vs roth vs tradition etc
Replies: 5
Views: 654

457 vs roth vs tradition etc

I have maxed out (separately) my 403(b) + 457. In Jan I'll be eligible for a once-a-life-time "3-year catchup" for 457, which mean I can put an extra 18K into the 457 for three-consecutive years. The 403(b) must be pretax. The 457 can be either pretax or ROTH (or a combination of both). My current t...
by HeadTail
Tue Dec 12, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: How to report property tax
Replies: 6
Views: 569

How to report property tax

Greetings! I'm a long time lurker and first time poster. I would like to get some advice regarding reporting property tax payment to IRS. In the past my bank took care of the property tax payment, and in Jan the bank would send me a form indicating how much property tax I paid for the previous year....