Search found 202 matches

by DavidC
Fri Jun 26, 2020 1:42 pm
Forum: Personal Investments
Topic: Tax on Savings Bonds
Replies: 5
Views: 619

Re: Tax on Savings Bonds

As sport's reply hints, on definitive ("paper") savings bonds the SSN is for book-keeping purposes only (e.g. asking the Treasury to help find/replace a lost bond). The IRS says if there is a principal [co]owner on the bond, then they owe the tax even if the other [co]owner is the one that cashes th...
by DavidC
Sun Apr 12, 2020 11:44 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75855

Re: Bogleheads community discussion - Coronavirus

Here is a conundrum: This article provides projected curves for all US states and DC re: peak mortality dates and total mortality figures. Why is DC doing so remarkably well? At least according to this analysis, they are past their mortality peak (April 4), and their total death count is projected ...
by DavidC
Tue Mar 31, 2020 8:38 pm
Forum: Personal Investments
Topic: Excess 401k contribution and after tax 401k
Replies: 8
Views: 393

Re: Excess 401k contribution and after tax 401k

Sounds way easier to just contribute your 8%+ into after-tax for the rest of the year. Convert it to Roth at the end of the year (either via in-plan conversion, or in-service distribution). Assuming the employer matches after-tax contributions, this is the simplest option if you're ok skipping befo...
by DavidC
Fri Dec 27, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Anti Virus?
Replies: 36
Views: 2131

Re: Anti Virus?

recalcitrant wrote:
Thu Dec 26, 2019 5:49 pm
Webroot
I also use Webroot, although that is mostly because Ally Bank provides it for free to all of its customers.
by DavidC
Sun Dec 22, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: If you sell under $500 of stuff a year on ebay do you have to worry about sales taxes?
Replies: 20
Views: 2421

Re: If you sell under $500 of stuff a year on ebay do you have to worry about sales taxes?

If you sell under $500 of stuff a year on ebay do you have to worry about sales taxes? If you're selling used merchandise which previously had sales tax paid, I'm not sure you even need to. It is used stuff. Used 'stuff' still requires sales tax where we are - likely where you are as well. I can on...
by DavidC
Wed Nov 20, 2019 10:22 pm
Forum: Personal Investments
Topic: HSA Decision Help Please
Replies: 57
Views: 4362

Re: HSA Decision Help Please

My work has a health center that we can use for free for the most part. This is anecdotal, but my personal experience is when my MegaCorp changed my health insurance to a HDHP a couple of years ago the onsite medical facility went from being free to charging for services (with the exception of basi...
by DavidC
Sat Oct 12, 2019 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Discover It card change
Replies: 2
Views: 536

Re: Discover It card change

I have a Discover It card I use occasionally [emphasis added] when the rotating category is useful to me. […] Anyone else receive this from Discover? Trying to figure out if this is something related to how I used the card. There are some recent reports on Doctor of Credit mentioning unrequested Di...
by DavidC
Sat Sep 28, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 61
Views: 22835

Re: Capital One 360 shaking up savings accounts

I feel banks sometimes create new account types in hopes the people are lazy and keep their money in the old account that earns less. While they can advertise the higher rates of the new account. CIT bank does this a lot … Yes. Totally agree. In fact Capital One itself has did this in the past with...
by DavidC
Fri Sep 06, 2019 1:03 pm
Forum: Personal Investments
Topic: Employer requesting refund of HSA funds
Replies: 40
Views: 3308

Re: Employer requesting refund of HSA funds

So after reading some articles and the IRS instructions several times I've figured out the answer. We each will fill out form 8889 with the IRS for our 2019 returns next April, and both of us would calculate our max allowable contribution using the worksheet in the instructions. We have to fill out...
by DavidC
Fri Apr 05, 2019 5:43 pm
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 4788

Re: Selling Series I Bonds

This didn't really answer my question, so I wrote back: I am still unclear on one point. In either of the cases (WITH or OR), is it necessary/required to pay tax on interest accrued to date if one named person dies and the survivor changes registration to his/her name only prior to final maturity/r...
by DavidC
Wed Nov 28, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 6477

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

My Toyota Sienna has a direct injection engine. Got 290,000 miles on it and have never once "cleaned the valves" According to Wikipedia only 2017 and newer Toyota Siennas have a direct injection engine and since the same engine in the Tacoma is dual port and direct injection I would suspect the new...
by DavidC
Fri Apr 27, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 21402

Re: HSA family max contribution lowered to $6850 for 2018

Edie wrote:
Fri Apr 27, 2018 12:41 am
:oops: https://www.forbes.com/sites/ashleaebel ... on-limits/ 6900 allowed... Again.
Thanks for pointing that out. For anyone who doesn't want to go to Forbes' website, the IRS revenue ruling can be found here.
by DavidC
Sun Jan 14, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds as tax refund: tracking down a missing one
Replies: 21
Views: 3200

Re: I Bonds as tax refund: tracking down a missing one

That sounds like what I want. So I click on form 1048 and go down to "Relief Requested". Then the only option for Series I bonds is direct deposit into a bank account. But I don't want cash. I want a substitute bond, either on paper or in Treasury Direct. Every piece of documentation says I can do ...
by DavidC
Sun Jan 14, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds as tax refund: tracking down a missing one
Replies: 21
Views: 3200

Re: I Bonds as tax refund: tracking down a missing one

This I-bond FAQ says "The Bureau of the Fiscal Service is authorized to replace lost, stolen, or destroyed I bonds... You'll need to complete FS Form 1048" Indeed, the Replacing or Reissuing a Paper I Bond and Guide for Savings Bond Owners (File a Claim for Lost, Stolen, or Destroyed Bonds) pages a...
by DavidC
Thu Jan 04, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 15395

Re: Crashplan for Home ending service late 2018

I still have 31 days until my CrashPlan for Home subscription runs out, so I was re-reviewing this thread to see if any obvious consensus was formed. Why no mention of IDrive, they are rated number 1 by a few online reviews. According to them IDrive does everything you could imagine and are offering...
by DavidC
Tue Jan 02, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 71
Views: 19310

Re: Savings Bond Wizard to be eliminated 5/18

Third party desktop software is available, at least for MacOS. I am not sure what software leftcoaster is using however I found the macOS software below via online search. I have not tried it. http://spottedsnake.net/SavingsBondTracker/index.html The million dollar question is just the Savings Bond...
by DavidC
Thu Dec 28, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: wisdom of buying a car about to be discontinued
Replies: 17
Views: 3230

Re: wisdom of buying a car about to be discontinued

I admittedly don't know much about the C-Max, but I can tell you they are all over Europe. Not sure if the discontinuation is just a US thing? You're correct, it's only being discontinued in the U.S. The C-Max (and the larger Grand C-Max) will live on in Europe indefinitely as far as we know. The s...
by DavidC
Wed Dec 27, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: wisdom of buying a car about to be discontinued
Replies: 17
Views: 3230

Re: wisdom of buying a car about to be discontinued

A quick search in my area reveals the price to be in line with other cmax fusions for sale. Got my old reliable Honda CRV stolen last week and need to buy a car. From Bogleheads, I learned about the Ford C-Max Energy. We found a 2013 with 35,000 miles for $11,500. My own search for C-Maxes on CarGu...
by DavidC
Sat Dec 16, 2017 4:04 pm
Forum: Forum Issues and Administration
Topic: Thank you Admins
Replies: 28
Views: 4015

Re: Thank you Admins

Thank you admins and moderators for the work you do. I usually just lurk (unauthenticated) because I have nothing to contribute, but I continue to learn a ton from this forum year after year. That would not be possible without your tireless efforts to keep this a sane, welcoming place.
by DavidC
Sat Dec 16, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with H&R Block Tax Software Download
Replies: 10
Views: 1493

Re: Problem with H&R Block Tax Software Download

I also purchased H&R Block 2017 for $9.95 (no state taxes) and had difficulty downloading it, although my problem was slightly different: in my case the download button was unresponsive and did nothing (vs. your observed behavior of seeing a blank page). In my case no amount of relaxing the permissi...
by DavidC
Sat Nov 18, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1 Year CD now 1.65% with 25,000 Minimum
Replies: 10
Views: 2583

Re: Ally Bank 1 Year CD now 1.65% with 25,000 Minimum

Please forgive me if this is old news (I will delete this post if so), but I just noticed it on Ally Bank's website... Although the rate appears to have changed several weeks ago , it is always beneficial to mention this for anybody (like myself) who didn't notice the original change. Capital One 3...
by DavidC
Wed Oct 11, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 2977

Re: I Bond fixed rate mystery

I don't think any of these bonds are significant on the scale of government debt. Does anyone know the total amount of iBonds currently owned? Assuming I am reading the full September 2017 Monthly Statement of the Public Debt correctly, I'm showing ~$45 billion in Series I savings bonds (which is w...
by DavidC
Sat Jul 22, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 24097

Re: Are you finding any good values at Amazon anymore?

You lost me on the gas stations comment; I haven't figured out how to buy gas online and I think it makes sense to buy your gas "nearby". Maybe one day Amazon will have fuel trucks that will stop by your house to gas up your car? :P Maybe, I've heard of a company that does bring a fuel truck to its...
by DavidC
Sat Apr 08, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: I have a car loan. Can I pay off the loan without penalty?
Replies: 28
Views: 4665

Re: I have a car loan. Can I pay off the loan without penalty?

As I understand it, the reason the finance guy at the dealer said you'd pay a fee is to keep you from paying it off early - the dealership won't get their spiff from the bank if the loan is paid off too soon :greedy +1, but they shouldn't have said that since its not the consumer that pays the fee,...
by DavidC
Sat Apr 08, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: HH Bond Deferred Interest Question
Replies: 2
Views: 710

Re: HH Bond Deferred Interest Question

At the bottom of them it lists deferred interest, which I understand from the Treasury Direct website is probably interest rolled over from previous bonds. Correct. If she chooses to cash these in, will she owe taxes on the whole interest amount, or is there a step-up in basis to the day he died? N...
by DavidC
Fri Feb 24, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Purchasing 1 acre, building custom home in Cedar Hills, Texas
Replies: 27
Views: 4569

Re: Purchasing 1 acre, building custom home in Cedar Hills, Texas

Do you mean "Cedar Hill, TX", southwest of Dallas? You might want to check out that commute from your new land. +1. The OP doesn't mention where their job is, but unfortunately many of the jobs in Cedar Hill seem to be retail-related so most people I know have to commute (full disclosure: this info...
by DavidC
Fri Oct 21, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 7222

Re: Microsoft Office

THANK YOU - so to be clear (can you please confirm?) - I can buy one year of Office 365, install the "apps" including Outlook 2016, and Outlook 2016 will continue to work after the one year subscription expires. NO, the local version of Outlook 2016 will not continue to work with full functionality...
by DavidC
Thu Sep 22, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: First time negotiating for a car. Have questions
Replies: 44
Views: 7532

Re: First time negotiating for a car. Have questions

[...]You can ignore the "destination charge" on the sticker -- that's profit. [...] [...]The destination charge, however, is charged to the dealer. They do have to pay that. I think you might mean the doc fee that I would agree is nothing but profit. I can remember arguing with an Acura dealer abou...
by DavidC
Sun Jul 31, 2016 11:06 pm
Forum: Personal Consumer Issues
Topic: Fiat 124 - good/bad/indifferent ??
Replies: 12
Views: 1780

Re: Fiat 124 - good/bad/indifferent ??

From Jerry Reynold's July 9th radio show , Jerry is apparently a vote for "bad" (starting at ~10:20): Kevin McCarthy: "Did you decide, what happened to the Fiat 124 Spider that was on your plate?" Jerry Reynolds: "Uh... I, uh drove it one day and parked it. And said 'I'm not reviewing this'." Kevin:...
by DavidC
Sun Jul 31, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 26068

Re: SSA MANDATORY cell phone based multifactor authentication

Also, as I said earlier, I was asked (at the SSA website) to add a number to see my account. I saw the same yesterday (but it's still July! :? ), so for now I can't login. I haven't decided yet if I want to give them my cell number or not: I'm on a prepaid cell phone plan which charges 20 cents per...
by DavidC
Sun Apr 12, 2015 1:31 pm
Forum: Personal Investments
Topic: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years
Replies: 22
Views: 5287

Re: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years

Not at all pleased with the [series I savings bonds] return, I plan on selling at the 1 yr. mark and moving the money over to VWALX ( Vangaurd High Yield Tax -Exempt) I have been very pleased with all of my other bond funds. Doesn't seem fair comparing savings bonds to a high yield muni bond fund. ...
by DavidC
Sun Mar 22, 2015 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Does an electric car make sense for commuting?
Replies: 22
Views: 4848

Re: Does an electric car make sense for commuting?

Although I like Ford (i.e. I currently drive an 19 year old F-150; a Focus, Fusion, or C-Max will probably be my next vehicle when that F-150 dies; etc.), have you considered the Kia Soul EV? Ed Wallace, local Dallas-Fort Worth car critic, reviewed it just last week and was very impressed with it: h...
by DavidC
Sat Feb 28, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up Treasury Direct Authorization
Replies: 5
Views: 1327

Re: Setting up Treasury Direct Authorization

I know difficulties in getting Medallion signatures was becoming more and more common , but I'm a little surprised they wouldn't provide a corporate seal. Cosmo in 2013 was in a similar situation and included a note explaining they were unable to obtain a signature so if you have no other options yo...
by DavidC
Fri Dec 19, 2014 10:02 pm
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 4283

Re: Gas Prices ($1.99) in North Texas

I'm seeing mostly $1.99 to $2.10 gasoline here in North Central Texas (a.k.a. D/FW), but not every place is that low yet. I passed two gas stations today on U.S. Highway 287 in southeastern Fort Worth... one gas station's sign said $2.55 while a nearby competitor was $2.38. That area is... admitting...
by DavidC
Fri Dec 19, 2014 8:42 pm
Forum: Personal Consumer Issues
Topic: Shop Through Chase and other rewards points
Replies: 12
Views: 2614

Re: Shop Through Chase and other rewards points

Just have to remember for Chase Jan - Mar 2015 = groceries July - Sept 2015 = groceries Oct - Dec 2015 = Amazon January - March 2015 is indeed groceries, although for the record Walmart and Target are excluded (sadly guess which two stores David purchases his groceries at :( ). July - September 201...
by DavidC
Tue Nov 25, 2014 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Medicare premiums with FSA
Replies: 6
Views: 2314

Re: Paying Medicare premiums with FSA

Can one use FSA (Flex Spending Account) money to pay Medicare Part D & Medigap (Medicare supplement Insurance) premiums? according to this, http://www.spendingaccounts.info/PDF/eligible_expense_guide.pdf , specifically no. I'm not an expert here, but just flipping through IRS Publication 969 I'm al...
by DavidC
Sun Nov 16, 2014 4:43 pm
Forum: Investing - Theory, News & General
Topic: No more year-end paper statement option?
Replies: 19
Views: 2634

Re: No more year-end paper statement option?

Why do you need copies? They should be available from Vanguard etc. for as long as you might need them. I would rather not rely on online access always being available... you may need some offline copies (either printed or saved PDFs) particularly if your account is blocked due to security concerns...
by DavidC
Sun Sep 07, 2014 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 72
Views: 10831

Re: Employer finding out you have a financial cushion?

The employer also knows your rate of 401k contributions and how much your balance is in your 401k, so they know about some of your cushion... It should be noted that some employers have recently started to offer "financial wellness" services to their employees and those services can (and in most/al...
by DavidC
Sun Aug 24, 2014 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Paper I/EE Savings Bonds are only reissued electronically
Replies: 4
Views: 1236

Paper I/EE Savings Bonds are only reissued electronically

Hmm, I haven't seen any mention of this before, but apparently Definitive (Paper) Savings Bonds can only be reissued in book entry (electronic) format now. I don't see any mention of this in the forum so I'm bringing it up now ( apparently I am the barrier of bad news around here recently :( ). Base...
by DavidC
Sat Aug 23, 2014 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 8803

Chase Freedom reward changes in 2016

This is just an FYI I received the following notice recently from Chase. If you have a Chase Freedom credit card and a Chase checking account, you're been eligible for a 10% annual bonus on top of your credit card rewards (which makes 1% rewards essentially 1.1%, etc.). Well: fter the closing date o...
by DavidC
Sun Aug 17, 2014 9:06 pm
Forum: Personal Consumer Issues
Topic: Capital One BuyPower Card with 5% Earnings
Replies: 4
Views: 3304

Re: Capital One BuyPower Card with 5% Earnings

Got lucky I saw this fine print. Otherwise the promotional offer looked too good to be true and had big bold statements EARN ON EVERYTHING YOU BUY. REDEEM EVERYTHING YOU EARN. Now this is a new GM card through Capital One, but I think it is important to point out that the pre-bankruptcy GM had seve...
by DavidC
Sun Jun 22, 2014 2:04 pm
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 5141

Re: American Automobile Assn (AAA)

Maybe I will reconsider. Re: the three-mile-tow plan, what happens if you are driving through the country and you are several miles away from the nearest garage? Do you still get a tow, and you pay extra? Yes, you just agree to pay extra, or not. If you're okay with the contracted tow company takin...
by DavidC
Wed Apr 09, 2014 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 52
Views: 7860

Re: Do I take the separation package offer?

Can you take unemployment benefits too? I can answer that one, no unemployment - this is a voluntary offer. This depends on the state you live in. For me NJ, you get employment under certain situations. Texas also typically sees a "voluntary" layoff as an "involuntary work separation" and therefore...
by DavidC
Fri Mar 14, 2014 6:26 pm
Forum: Personal Investments
Topic: Car Fund
Replies: 9
Views: 1847

Re: Car Fund

The strategy tyrion is describing is also explained the wiki although his second post probably cleared things up. :smile:
by DavidC
Sat Jan 25, 2014 5:05 pm
Forum: Investing - Theory, News & General
Topic: Now expired: a great investment in . . . postage stamps?
Replies: 22
Views: 2569

Re: Today only: a great investment in . . . postage stamps?

FYI Currently 2/3 of this hike has a set sunset date/trigger: The Postal Regulatory Commission also said the Postal Service can't allow the [three cent] hike to last more than two years, or raise more than $2.8 billion. Does that mean prices will go back down in January 2016? Doubtful. The price hik...
by DavidC
Sun Jan 19, 2014 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Behavioral reason I'm not investing in Series I savingsbonds
Replies: 23
Views: 2296

Re: Behavioral reason I'm not investing in Series I savingsb

My questions: does anyone else feel this way? Are there any technical solutions out there to make savings bonds balances more accessible, e.g. to let a person check Treasury Direct through a computer program? If a program like Mint or Quicken could get those balances, I'd even pay for the software....
by DavidC
Sat Jan 04, 2014 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Reporting
Replies: 19
Views: 1451

Re: Credit Reporting

What's the best (least expensive/most reliable?) way to get one's actual credit score? Is the exactly what a mortgage lender/etc. would see, if requested at the same time? This is an older Consumer Reports article you may want to read, some things are out of date (e.g. myfico.com should be selling ...
by DavidC
Sat Jan 04, 2014 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Reporting
Replies: 19
Views: 1451

Re: Credit Reporting

I checked into Credit Karma and they appear to be oriented toward scoring only and I found an obvious error, they show my oldest account as 4 years, when in fact it is 20 years. If I recall correctly (sorry, I don't have immediate access to my old credit reports right now to confirm), Credit Karma ...
by DavidC
Fri Jan 03, 2014 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 79
Views: 17620

Re: Updated opinions about Ally Bank?

However, until Ally recently increased its early withdrawal penalties (EWPs), buying a 5-year CD was very competitive with shorter-term CDs; i.e., after paying the EWP, you usually would end up with a better return than buying a one-year or two-year CD. Since increasing the EWPs on the 5-year CD, t...
by DavidC
Fri Dec 27, 2013 6:21 pm
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 12894

Re: Just returned new laptop with Window 8.1

Jan. 2020 is a long way off. That's for extended support. And it's just 6 years; I'm still using an iMac that's going on 7. :) It's odd that your claiming Microsoft is "just" supporting Windows 7 with 6 more years of security updates considering the fact that your 7 year old iMac originally came wi...