Search found 80 matches

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: 3049

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: 408

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: 4596

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: 4596

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: 4596

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: 4596

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: 2096

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: 2128

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: 3569

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: 3697

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: 1681

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: 3089

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: 1773

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: 45
Views: 5269

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: 11564

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: 2195

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: 6331

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: 4928

Re: An Annuity Hater Revisits SPIAs

Helpful discussion on SPIAs various permutations. Thank you.
by mslaw
Wed Dec 26, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 83
Views: 12365

Re: African Safari: Worth it or Hype?

Thank you all for providing an excellent daydream this morning.
by mslaw
Wed Dec 26, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 185
Views: 13607

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Excellent information and discussion. This has become an issue in medical care in the United States. Non participating air ambulances are very difficult to negotiate a reasonable charge with on an after use base.
by mslaw
Mon Dec 10, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Wills, Estates and Trusts
Replies: 28
Views: 2823

Re: Wills, Estates and Trusts

Following
by mslaw
Mon Dec 10, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Rental car totalled - amex insurance issue
Replies: 25
Views: 4429

Re: Rental car totalled - amex insurance issue

Please keep the issue updated. Paying for the AMEX premium coverage for total protection is how the insurance is marketed.
However, rental companies appear to be notorious for always finding a work around and getting additional payments.
by mslaw
Sat Jul 14, 2018 9:25 am
Forum: Personal Investments
Topic: What to do with extra $2500 a month?????
Replies: 36
Views: 3551

Re: What to do with extra $2500 a month?????

Sorry to disagree, but as a boat owner I would think carefully before paying off a loan . A loan seems to help with maintaining insurance coverage and the payout amount in an accident.
by mslaw
Sun Jul 01, 2018 12:47 pm
Forum: Personal Investments
Topic: What to do with series EE savings bonds?
Replies: 41
Views: 5987

Re: What to do with series EE savings bonds?

Thank you for reply. Just trying to check if this isn't a fine print item. For example, Series EE 1992, at twenty six years currently earn 4%. So do you look at each bond at twenty years and decide based on the particular issue date and current rate environment? Trying to cover bases to have the big...
by mslaw
Sun Jul 01, 2018 12:01 pm
Forum: Personal Investments
Topic: What to do with series EE savings bonds?
Replies: 41
Views: 5987

Re: What to do with series EE savings bonds?

A 2017 thread that has been very helpful. However, I have a question concerning EE "Series EE Bonds Issued May 2005 and Later Series EE bonds issued from May 2018 through October 2018 earn today’s announced rate of 0.10%. All Series EE bonds issued since May 2005 earn a fixed rate in the first 20 ye...
by mslaw
Tue Jun 05, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 14396

Re: Savings Bond Wizard replacement is available

Are you using the serial number of your U.S. Savings Bonds in the Calculator? I have seen some internet discussion concerning security issues, that in listing the Savings Bonds data in the Calculator, it is prudent to exclude the serial numbers. Treasury Hunt has been replaced by FS Form 1048 which ...
by mslaw
Sat Apr 28, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: WALK ME Appearing on URL Bar [during Fidelity login]
Replies: 26
Views: 4810

Re: WALKME Appearing on URL Bar

Fidelity Response to my inquiry on WalkMe. I have not included my name or the Fidelity representative. "ElectronicChannelSupport.HNW@fidelity.com Apr 26 (2 days ago) to me Dear .........: Thank you for taking the time to write about your experience with WalkMe on the Fidelity web site. Our technolog...
by mslaw
Fri Apr 27, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment
Replies: 31
Views: 3700

Re: Student Loan Repayment

Since you mention the loan was a Federal Student Loan, were you able to refinance that type of loan to obtain a lower interest rate and shorten the payoff schedule? Or were Private Loans required? These are definitely more mechanic type questions on looking how to improve the loan.
by mslaw
Thu Apr 26, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: WALK ME Appearing on URL Bar [during Fidelity login]
Replies: 26
Views: 4810

Re: WALKME Appearing on URL Bar

These are very helpful responses and suggestions that I am installing across "all" my devices. The expertise and assistance from each of you were pretty incredible. I have been trying to obtain a response from Fidelity and was a bit surprised when their phone contact, the Computer Support Department...
by mslaw
Sun Apr 22, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: WALK ME Appearing on URL Bar [during Fidelity login]
Replies: 26
Views: 4810

Re: WALKME Appearing on URL Bar

Thank you for the responses. I will need to keep checking. The device I used is a fairly high end system that has extremely limited use to a very few booked marked sign ins. No web browsing, no email, no access other than by myself. Luckily, I used a view only access. The WalkMe was extremely fleeti...
by mslaw
Sun Apr 22, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: WALK ME Appearing on URL Bar [during Fidelity login]
Replies: 26
Views: 4810

WALK ME Appearing on URL Bar [during Fidelity login]

Just to double check on security, has anyone familiarity with Walk Me appearing on the URL bar during their brokerage online sign in? I have seen it on Fidelity in particular. I know that Walk Me is a SaaS type algorithm used to target specific customers, but I am surprised to see it appear during a...
by mslaw
Tue Apr 17, 2018 3:55 pm
Forum: Personal Investments
Topic: CD market values down after purchase; why?
Replies: 20
Views: 5754

Re: CD market values down after purchase; why?

Wooo, there it is! That you Detroit Rick.
by mslaw
Tue Apr 17, 2018 1:39 pm
Forum: Personal Investments
Topic: CD market values down after purchase; why?
Replies: 20
Views: 5754

Re: CD market values down after purchase; why?

I did check the Schwab website and was unable to find any secondary CDs listed. Does anyone know if Schwab shows the secondary market online and how to locate the web page? Note that you do have to be able to sign into the website to access the bond desk.
by mslaw
Mon Apr 16, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-INT Bond Premium Amount for Tax Deduction
Replies: 5
Views: 572

Re: 1099-INT Bond Premium Amount for Tax Deduction

Thank you both, excellent answers.
by mslaw
Mon Apr 16, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-INT Bond Premium Amount for Tax Deduction
Replies: 5
Views: 572

Re: 1099-INT Bond Premium Amount for Tax Deduction

Thank you, yes of course an adjustment that reduces the interest total. If I see the ABP adjustment on 1099 INT would you assume it is the correct amortized amount for the year, 2015 and later?
by mslaw
Mon Apr 16, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: 1099-INT Bond Premium Amount for Tax Deduction
Replies: 5
Views: 572

1099-INT Bond Premium Amount for Tax Deduction

If you receive a 1099-INT with a Bond Premium Adjustment, Box 11 or 12, is this the amortized amount only for the year in question and therefore all deductible for the year on the 1099-INT?
by mslaw
Thu Oct 05, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze for Small Pension Plans and Solo 401(k)s
Replies: 0
Views: 293

Credit Freeze for Small Pension Plans and Solo 401(k)s

Has anyone placed a credit freeze on a Pension Trust or Solo 401(k) Plan Trust? One of the vulnerabilities of these assets is they fall under the Uniform Commercial Code when legal issues arise.
by mslaw
Thu May 30, 2013 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: California affordable care act rates for 2014 released
Replies: 143
Views: 17809

Re: California affordable care act rates for 2014 released

During a discussion on insurance policy changes, an Anthem employee stated all non-grandfathered private health policies will be reissued into the new exchange policies . Pushing for clarfication the next statement was: if you purchase or currently have, any health insurance on the individual / fami...
by mslaw
Sat Mar 02, 2013 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can you really refinance student loans at lower rate???
Replies: 6
Views: 1374

Re: Can you really refinance student loans at lower rate???

I look at the numbers frequently for new attorneys and realize there are few workarounds. A public service job for ten years and income based payment being one of the few reasonable options. However, I would rarely consider refinancing a federal student loan to any loan outside the federal program; ...
by mslaw
Thu Jan 31, 2013 11:04 am
Forum: Personal Investments
Topic: Safe to buy I-Bonds on January 31st?
Replies: 40
Views: 4993

Re: Safe to buy I-Bonds on January 31st?

Interesting posts FoolStreet on the mechanics of TD U.S. Savings Bond purchases. Looking forward to answer today.
by mslaw
Fri Jan 25, 2013 10:30 pm
Forum: US Chapters
Topic: Happy Birthday Taylor
Replies: 81
Views: 8978

Re: Happy Birthday Taylor

Happy Birthday Mr. Larimore!
by mslaw
Tue Jul 17, 2012 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Non frugal vice
Replies: 107
Views: 15085

Re: Non frugal vice

So non frugal vice - boat 1, boat 2, and boat toys.

Not cheap on- easy answer - spouse!
by mslaw
Wed Jul 11, 2012 2:26 pm
Forum: Personal Consumer Issues
Topic: Best Twenty Dollar Bourbon
Replies: 39
Views: 4734

Re: Best Twenty Dollar Bourbon

Four Roses, Elmer T. Lee, and Woodford Reserves. Have to think about price range. Serious Bourbon drinkers go to the distilleries in Kentucky to try out blends, batches, and barrels. They have even made it a tourist industry and call it the Bourbon Trail. Samples are gratis.
by mslaw
Sat Jul 07, 2012 7:58 am
Forum: Investing - Theory, News & General
Topic: Ways to View Break-even Inflation Rates
Replies: 21
Views: 4084

Re: Ways to View Break-even Inflation Rates

Excellent! Thank you.
by mslaw
Fri Jun 22, 2012 4:09 pm
Forum: Personal Investments
Topic: 30 year TIPS Upcoming Auction - 6-21-2012
Replies: 52
Views: 5713

Re: 30 year TIPS Upcoming Auction - 6-21-2012

For those interested, here are the auction results compared to previous 30-year TIPS auctions since they resumed in 2010. If the Treasury follows last year's schedule, the Feb 2042's will be re-issued again in October. Amount * Yield to Coupon Matures Auction (000) Price Maturity ------ -------- --...
by mslaw
Thu Jun 21, 2012 9:27 am
Forum: Personal Investments
Topic: 30 year TIPS Upcoming Auction - 6-21-2012
Replies: 52
Views: 5713

Re: 30 year TIPS Upcoming Auction - 6-21-2012

So the yields on my past purchases matter to me. But you do understand that the yields when you purchased have nothing to do with your current yields, right? So from the time in the past when you bought a TIPS at 2% you were guaranteed 2% real from then until maturity, but on that same TIPS from no...
by mslaw
Wed Jun 20, 2012 6:00 pm
Forum: Personal Investments
Topic: 30 year TIPS Upcoming Auction - 6-21-2012
Replies: 52
Views: 5713

Re: 30 year TIPS Upcoming Auction - 6-21-2012

If real interest rates increase significantly during the 30-year period, you will lose quite a bit in terms of opportunity cost. What happens if interest rates rise but inflation runs even higher than interest rates? Maybe it's a little clearer with the term lost opportunity rather than opportunity...
by mslaw
Wed May 16, 2012 8:33 am
Forum: Personal Investments
Topic: Vanguard or Fidelity..does it matter ?
Replies: 64
Views: 10692

Re: Vanguard or Fidelity..does it matter ?

Appreciate all the nuances of which investment firm might be easier than the other for a particular person. Sometimes it is important to consider not only the actual investments but how the "next" owner of the assets will maneuver within the system. When Vanguard closed their brick and mortar, I fou...
by mslaw
Tue May 01, 2012 9:09 am
Forum: Investing - Theory, News & General
Topic: Retirees: How to add $340,000 to retirement savings
Replies: 77
Views: 11514

Re: Retirees: How to add $340,000 to retirement savings

Otherwise they actually have some good points that many people do not think about. I think their point about reducing costs by $100 a month reducing the need for around $30K in retirement savings is not something most people understand. We live in a society where most TV commercials and other forms...