Search found 111 matches

by mslaw
Tue Sep 15, 2020 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CC declined, they deny declining
Replies: 41
Views: 3416

Re: Fidelity CC declined, they deny declining

Interesting to have similar recent experience with credit cards in a similar time frame. Completely annoying and a time drain. From prior international travels I have discovered the credit card company can indeed see these “pings” and provide assistance. However, getting that higher level of assista...
by mslaw
Sun Sep 06, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: What is PenFed good at?
Replies: 77
Views: 5475

Re: What is PenFed good at?

Pen Fed issues “Tap to Pay” credit cards for touch less payment of purchases.
by mslaw
Sun Aug 30, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: National Flood Insurance Program coverage
Replies: 18
Views: 1380

Re: National Flood Insurance Program coverage

Above quote from smitcat- thank you for the post.
by mslaw
Sun Aug 30, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: National Flood Insurance Program coverage
Replies: 18
Views: 1380

Re: National Flood Insurance Program coverage

Realtor.com just started listing a flood risk rating on all properties, taking into account stronger storms and rising sea levels. https://www.google.com/amp/s/www.cnbc.com/amp/2020/08/26/every-us-home-gets-flood-risk-score-and-many-are-at-higher-risk.html [/quote] Use caution with the Realtor.com s...
by mslaw
Mon Aug 24, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Vacationing safely in the era of Covid - How did you do it?
Replies: 124
Views: 9577

Re: Vacationing safely in the era of Covid - How did you do it?

As you read the comments from individuals, maybe take a deep breath and read this Washington Post article.

https://www.washingtonpost.com/health/c ... story.html
by mslaw
Sat Aug 15, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15252

Re: Products that last forever

mslaw wrote: Sat Aug 15, 2020 10:20 am
mslaw wrote: Sat Aug 15, 2020 10:18 am
OldBallCoach wrote: Thu Aug 13, 2020 8:03 am Toyoya Landcruiser and my Boston Whaler..I swear both are built to last forever.
Our pre Sea Ray Whaler, 19 years in use.
But currently boat shopping small boat for next generation, totally open to suggestions on current quality boat builders for an under 24 foot. And I boat shopping.
by mslaw
Sat Aug 15, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15252

Re: Products that last forever

Deleted
by mslaw
Sat Aug 15, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15252

Re: Products that last forever

OldBallCoach wrote: Thu Aug 13, 2020 8:03 am Toyoya Landcruiser and my Boston Whaler..I swear both are built to last forever.
Our pre Sea Ray Whaler, 19 years in use.
by mslaw
Wed Jul 29, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 139108

Re: Coronavirus (Consumer Issues) How you are preparing?

This has been a very useful thread, thanks to each of you for all the helpful contributions. Looking forward for a bit, pick any timeline, what are you purchasing to take care of yourself, your family and others you feel responsible to assist during this time.
by mslaw
Sat Jun 13, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Tipping on curbside pickup?
Replies: 44
Views: 3636

Re: Tipping on curbside pickup?

Some will not accept them, but we simply put an envelope in the rear of the car where they put grocery or carryout items with something like "For you" written on it. These folks are among those who serve those of us fortunate enough to have this option. Both they and business owners need the cash. ...
by mslaw
Mon Jun 08, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Flying Advice: From RDU to Tampa?
Replies: 16
Views: 1425

Re: Flying Advice: From RDU to Tampa?

I am in the industry and this is the best time to fly I have ever seen. No lines, no crowds and few cancellations. Passengers are being smart, and the planes are wide open. Seems like only about a third of the food/drink places open but still able to get a snack. Parking not an issue and plenty of ...
by mslaw
Mon Jun 08, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Flying Advice: From RDU to Tampa?
Replies: 16
Views: 1425

Re: Flying Advice: From RDU to Tampa?

I travel from just a bit farther north of Raleigh to Tampa monthly. After six years of trying all the options I could find, for me, I have found it is more efficient to drive. I do come down the west side of Florida and avoid Jacksonville and the construction in Orlando. I understand that driving ma...
by mslaw
Sun May 24, 2020 7:14 am
Forum: Personal Consumer Issues
Topic: Warning: Virginia State Inspection
Replies: 38
Views: 3874

Re: Warning: Virginia State Inspection

Folks, Be very careful as to where you bring your older car for Virginia State Inspection. If the car mechanic rejects your car inspection and put in all kind of stuff that you need to fix, you have to fix it. You cannot bring your car to some other places and reinspect without fixing the problems....
by mslaw
Fri May 22, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3871

Re: Safely disinfecting frozen food packages from corona virus?

It may indeed be overkill, but as a person who cannot seem to keep from touching my face, I do worry about transfer. We know that viruses are preserved by refrigeration or freezing, so I do disinfect items destined for fridge or freezer. I use 91% isopropyl squirted onto a square of paper towel. I ...
by mslaw
Fri May 22, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: IRMAA Thresholds in 2020
Replies: 45
Views: 8551

Re: IRMAA Thresholds in 2020

It looks like the base income threshold for MFJ for IRMMA for 2020 (thus 2018 MAGI) is $174k or less per Medicare website. https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance Excellent information in this thread. Is there a “safe” estimation of Medicare MAGI to use for 2020, tha...
by mslaw
Sun May 17, 2020 8:02 am
Forum: Non-US Investing
Topic: The Mighty USD
Replies: 58
Views: 4562

Re: The Mighty USD

Thoughtful question. The United States dollar has only been the dominant reserve currency post World War II. It is always important not to let a recency bias stop you from questioning what is happening on a larger scale and longer time frame.
by mslaw
Sat May 16, 2020 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Small businesses stopping employees from getting Pandemic payments?
Replies: 54
Views: 3471

Re: Small businesses stopping employees from getting Pandemic payments?

Your relative is right and is similar to what would be allowed outside of the United States. Perhaps a family member could investigate his keeping the benefits as a result of the higher risk being associated as a disability. Best of luck and always good to take care of your family .
by mslaw
Sat May 16, 2020 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5775

Re: Thinking of buying a boat during pandemic – am I CRAZY?

Absolutely love boats. Own a small navy. However, we don’t have pets. Similar commitment, in some ways. Bought my first boat for $110 and I still own it. So consider starting with small, non motorized boats and working up. Boat insurance usually requires some prior experience. At this point, I own a...
by mslaw
Wed Apr 29, 2020 12:38 pm
Forum: Personal Investments
Topic: USAA to Charles Schwab...
Replies: 7
Views: 652

Re: USAA to Charles Schwab...

If I understand the transfer correctly, after several phone calls- If you transfer to before a specific date, there is no charge . If you remain, there a a monthly service fee imposed on accounts. Specific dates mentioned were May 6, 2020 and May 30, 2020. This has not been a particularly seamless t...
by mslaw
Wed Apr 29, 2020 7:25 am
Forum: Personal Investments
Topic: Custodial account UGMA/UTMA
Replies: 6
Views: 364

Re: Custodial account UGMA/UTMA

Thank you for the excellent synopsis and comparison. That will be forwarded to family members. A third alternative to consider is a TreasuryDirect account for US Savings Bonds. Definitely not the expected returns you might have of the stock market. However, these bonds may have an income and/or stat...
by mslaw
Mon Apr 27, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 139108

Re: Coronavirus (Consumer Issues) How you are preparing?

Depending on where you live, the issue of infection of workers in meat processing plants may not be an issue on the local news. The health and well being of those working in these facilities has long been an issue in my area. Regardless of where you live, has anyone made adjustments in their buying ...
by mslaw
Sat Apr 25, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25269

Re: IRS Get My Payment up and running

Thanks to many of this topic’s intelligent and focused Bogleheads, I have been able to get two more individuals’ data entered for direct deposit. The 0 (number zero) for entering a tax refund if the money had been carried forward, was as previously posted, added as a correct entry. Is this important...
by mslaw
Fri Apr 24, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25269

Re: IRS Get My Payment up and running

Beginning on April 15, now on April 24, I have one individual finally past the first screen. The information requested was entered, however, it appears this account is still blocked from giving the IRS the requested bank information. If you had your refund applied forward, you neither have an overpa...
by mslaw
Fri Apr 17, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25269

Re: IRS Get My Payment up and running

IRS Statement- The following is not my personal opinion. It is the actual statement on the IRS website. “April 15, 2020 The Get My Payment site is operating smoothly and effectively. As of mid-day today, more than 6.2 million taxpayers have successfully received their payment status and almost 1.1 m...
by mslaw
Thu Apr 16, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25269

Re: IRS Get My Payment up and running

Update on attempt to use “Get My Payment,”
Tuesday, April 16, 2020.
After entering requested front page information, I continue to receive “Payment Status Not Available.”
by mslaw
Wed Apr 15, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25269

Re: IRS Get My Payment up and running

Received this on trying to use the IRS Get My Payment-

“ Payment Status Not Available

According to information that we have on file, we cannot determine your eligibility for a payment at this time.”

The system did not allow any opportunity to provide information. No work around provided.
by mslaw
Wed Apr 15, 2020 7:11 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29438

Re: Report when you receive your stimulus check here

Good post, let’s me watch for family members.
by mslaw
Fri Apr 10, 2020 9:59 am
Forum: Personal Investments
Topic: USAA Investments Moving to Schwab
Replies: 3
Views: 670

Re: USAA Investments Moving to Schwab

Actually, thank you for the question joyu1651. Reading about a change and actual execution are separate issues. I keep trying to work out the transfer of a Solo 401K and anyone’s experience and information would be helpful. Although very polite, neither USAA representatives assigned to contact accou...
by mslaw
Thu Apr 09, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Boca Rotan, FL city to work and retire !!!
Replies: 30
Views: 3174

Re: Boca Rotan, FL city to work and retire !!!

Florida communities are always interesting and each seem somewhat unique to me. First visit to Boca Rotan I had a fairly low level meeting, well until I saw three Lamborghini’s flip their keys to valets. For my personal preference, west coast Tampa is my first choice. Many different cultural and eco...
by mslaw
Wed Jan 22, 2020 9:55 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27619

Re: Sad news: LadyGeek's husband has passed

So very sorry for your loss and how difficult caregiving has been. Thank you for sharing with us, the personal education is invaluable.
by mslaw
Sun Jan 05, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Live in Miami. Should I join a boat club?
Replies: 29
Views: 2893

Re: Live in Miami. Should I join a boat club?

Boat clubs can be useful. If you are considering a commercial boat club that provides you use of a boat, it may be fairly cost effective and the club provides the maintenance. Look carefully at the hours you may use a boat and make sure they are a good fit for your personality.. If you are consideri...
by mslaw
Fri Nov 01, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: paying foreign medical bill - after the fact:( back from vacation
Replies: 30
Views: 3274

Re: paying foreign medical bill - after the fact:( back from vacation

Sorry but from an office of medical providers, my advice is to not pay the bill in full at this time. Begin making small payments, and maintain the assistance of the providers’ office . Once you pay in full, the priority to help you with the claim is minimized. Work thru all the insurance paperwork,...
by mslaw
Fri Nov 01, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Date to cash savings bonds at bank
Replies: 4
Views: 444

Re: Date to cash savings bonds at bank

Good question. It is a bit difficult to calibrate income and finesse an end of year total. If you have paper bonds, visit the bank and ask their process . Some banks actually limit the number of bonds you may cash on a per day basis. If the bonds are in Treasury Direct, the time lapse should be on t...
by mslaw
Fri Sep 27, 2019 9:32 am
Forum: Personal Investments
Topic: Should I buy I-bonds when I'm >30 years from retirement?
Replies: 50
Views: 4867

Re: Should I buy I-bonds when I'm >30 years from retirement?

You are right, US Tips generally are better placed in a tax deferred account. Holding them personally is a bit of an accounting nightmare, that I find tedious to endure. Just remember, there is a limit of five million dollars on non competitive bids for each issue of the US Treasury. Not an every da...
by mslaw
Fri Sep 27, 2019 8:11 am
Forum: Personal Investments
Topic: Should I buy I-bonds when I'm >30 years from retirement?
Replies: 50
Views: 4867

Re: Should I buy I-bonds when I'm >30 years from retirement?

That is the general consensus, ever stock broker would agree with you. But take a moment to consider tax rates and how you are using a 401(k) to lower your tax bracket over sixty to eighty years. It depends if we are talking about trying to stay in the 10 to 15 percent tax bracket for lower capital ...
by mslaw
Fri Sep 27, 2019 7:13 am
Forum: Personal Investments
Topic: Should I buy I-bonds when I'm >30 years from retirement?
Replies: 50
Views: 4867

Re: Should I buy I-bonds when I'm >30 years from retirement?

Absolutely that is the perfect question, because you are losing the tax deferral benefit of the Savings Bonds. However, the US Saving I Bonds provide a small, but predictable amount of inflation future funds to use for disbursements in the withdrawal period. In addition, because there are no tax con...
by mslaw
Thu Sep 26, 2019 10:19 pm
Forum: Personal Investments
Topic: Should I buy I-bonds when I'm >30 years from retirement?
Replies: 50
Views: 4867

Re: Should I buy I-bonds when I'm >30 years from retirement?

US Savings Bonds can be held in a self- directed, Solo 401(k) Trust.
by mslaw
Fri Jul 12, 2019 8:05 am
Forum: Personal Investments
Topic: Required Minimum Distribution Questions
Replies: 17
Views: 2166

Re: Required Minimum Distribution Questions

This was an interesting question. Are there retirement accounts or in fact, only one retirement account? Actually, the very good summary, provided in the article referenced below, would lead me to question the retirement administrator’s actions. https://www.investopedia.com/articles/retirement/04/12...
by mslaw
Sat Jun 29, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Going to switzerland this september-advice?
Replies: 30
Views: 2244

Re: Going to switzerland this september-advice?

Excellent question. The transportation in Switzerland looks incredible, well covered and reasonable price. However, the “card” options are worthy of Boglehead calculation!
Right now I’m looking at adding a Jungfrau Pass to a Swiss Travel Pass, just for convenience.
by mslaw
Tue Jun 25, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 37
Views: 3731

Re: Anyone make their own tortillas?

Thank you Bogleheads! You have provided another “adventure” to life - learning to make tortillas.
by mslaw
Sat Jun 08, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Highly appreciated whiskies
Replies: 34
Views: 3803

Re: Highly appreciated whiskies

Actually very good question and our family of serious bourbon collectors has developed an evolving strategy. We will open bottles for tastings that are for family and friends. These bottles are shrink wrapped between use. The tastings are a wonderful, multi generational gathering. Non opened bottles...
by mslaw
Sat Jun 08, 2019 8:50 am
Forum: Personal Investments
Topic: Question about RMDs from inherited IRA
Replies: 23
Views: 1755

Re: Question about RMDs from inherited IRA

The taxation on death of IRA’s RMDs, and the timing of withdrawals information, is quite enlightening. I had failed to consider that while I may have financially sophisticated beneficiaries, the age of my contingent beneficiaries precludes the necessary “paperwork” skills.
by mslaw
Sun Jun 02, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 3199

Re: Should I buy Euros from local bank or use ATM in Europe

Good to have a list of pin- priority credit cards, thank you. If anyone has found other issuers, please post them.
by mslaw
Mon May 20, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Anyone have a GMC Acadia? Or similar?
Replies: 27
Views: 1894

Re: Anyone have a GMC Acadia? Or similar?

The website called “The Car Seat Lady” has Bogleheads style details. The articles are worth a perusal if you are considering motor vehicles to be “outfitted” with car seats.
https://thecarseatlady.com/
by mslaw
Thu Mar 07, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 47
Views: 6290

Re: Any liveaboards here?

Part of boating involves insurance. And insurance companies tend to prefer experience. They, also, dislike large size jumps, so much over a four foot size increase will be questioned. Of course, your greographic boating range and the age of the boat become issues. Work boating into your life in a st...
by mslaw
Tue Mar 05, 2019 10:12 am
Forum: Personal Investments
Topic: How Much of Bond Allocation in TIPs?
Replies: 53
Views: 11823

Re: How Much of Bond Allocation in TIPs?

Still useful and wanted to bookmark.
by mslaw
Sun Feb 17, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Standard deduction VS Itemize
Replies: 16
Views: 2263

Re: Standard deduction VS Itemize

Virginia had a change in its tax law on February 15, 2019, that may effect your 2018 return. The use of itemized deductions or standard deductions will still controlled by your federal tax return. However, there is a tax payment return for 2018 and an increase in the standard deduction amount for 20...
by mslaw
Tue Feb 12, 2019 9:19 am
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 7162

Re: Benefits of Fidelity vs Vanguard

“Vanguard Brokerage imposes a $10,000 minimum for CDs purchased through Vanguard Brokerage. “
https://investor.vanguard.com/cd-bond/

At Fidelity, the minimum is $1,000.
by mslaw
Wed Jan 16, 2019 10:15 am
Forum: Investing - Theory, News & General
Topic: An Annuity Hater Revisits SPIAs
Replies: 27
Views: 5042

Re: An Annuity Hater Revisits SPIAs

Helpful discussion on SPIAs various permutations. Thank you.