Search found 191 matches

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: 15354

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: 18
Views: 2551

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: 18
Views: 2551

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: 13256

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: 68
Views: 13906

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: 2861

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: 2861

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: 3410

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: 918

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: 2406

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: 2552

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: 21913

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: 3608

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: 494

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: 3998

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: 6296

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: 6259

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: 1503

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: 18703

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: Investing - Help with Personal Investments
Topic: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years
Replies: 22
Views: 4797

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: 4609

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: 1159

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: 4114

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: 2508

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: 2086

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: 2574

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: 10627

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: 1162

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: 8640

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: 3
Views: 2965

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: 5019

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: 7617

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: Investing - Help with Personal Investments
Topic: Car Fund
Replies: 9
Views: 1763

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: 2527

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: 2200

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: 1371

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: 1371

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: 16846

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: 12543

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...
by DavidC
Mon Dec 16, 2013 11:46 pm
Forum: Personal Consumer Issues
Topic: Life after Windows XP?
Replies: 119
Views: 12133

Re: Life after Windows XP?

I thought they were talking about the Program Files folder, which is where you have to go if you have a lot of programs, many of which are no-install and thus don't have entries in the program list. :shock: You are not supposed to drill down into the Program Files folder to run programs ... previou...
by DavidC
Mon Dec 16, 2013 11:24 pm
Forum: Personal Consumer Issues
Topic: Life after Windows XP?
Replies: 119
Views: 12133

Re: Life after Windows XP?

An article in tonight's newspaper states that MS is going to replace 8 ( because as stated above ,it was a "disaster") and go back to a traditional format. I doubt it. The Windows 8 interface was designed for mobile devices with touchscreens. If you've seen the sales numbers on mobile devices versu...
by DavidC
Mon Dec 16, 2013 10:43 pm
Forum: Personal Consumer Issues
Topic: Life after Windows XP?
Replies: 119
Views: 12133

Re: Life after Windows XP

I don't have a desktop now, and if I am to buy something new, I'd like it to be a laptop. Are laptops with Win 7 still available Yes, Microsoft will allow PCs to be sold pre-loaded with Windows 7 until October 25, 2014 . As that linked article suggests, it tends to be the more business-oriented lap...
by DavidC
Mon Nov 04, 2013 10:53 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard Update Available
Replies: 13
Views: 2006

Re: Savings Bond Wizard Update Available

Interesting... as I have mentioned in the past I use gbonds on Linux which is simllar to but not affiliated with the Treasury's own Savings Bond Wizard. It seems though that gbonds is still unable to download the latest file... gbonds expects to find the file at the following FTP site: ftp://ftp.pub...
by DavidC
Sat Nov 02, 2013 10:28 pm
Forum: Personal Consumer Issues
Topic: Significance of ZipCode suffix
Replies: 12
Views: 2772

Re: Significance of ZipCode suffix

Hmm... I can only say with certainty that I would be very reluctant to modify (striking out, etc.) the envelopes you have been provided. My suspicion is that the envelopes are probably ok... I opened my accounts with Ally last year and used the envelopes they provided (obviously I don't remember the...
by DavidC
Sat Nov 02, 2013 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond Question
Replies: 8
Views: 1018

Re: I Bond Question

Shameless plug for a fellow Boglehead poster: if you want to see the value of your Series I savings bonds without the 3 month penalty, then I recommend looking the value up on #Cruncher's website.
by DavidC
Sat Nov 02, 2013 12:03 am
Forum: Investing - Theory, News & General
Topic: Paper I Bond 2013 Tax Refund Purchase Is Real
Replies: 19
Views: 2170

Re: Paper I Bond 2013 Tax Refund Purchase Is Real

What do you mean by " each bond was given a medallion signature guarantee?" If you have a stack of a couple of dozen bonds, would that seem like an imposition to the bank official? Does the official just mash each one in the embossing pliers gadget and sign it, or do they have to fill out a form an...
by DavidC
Fri Nov 01, 2013 11:43 pm
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 10411

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

Wow, what a surprise! I would have lost money betting on that. I guess they need the money. Agreed 100% it is a shock that the rate is > 0.00%. If only we could hear the logic that went into adjusting the I-bond fixed rate to 0.20% as well as the logic behind cutting the EE from 0.20% to 0.10%... H...
by DavidC
Wed Oct 30, 2013 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Max out 401k or keep I/EE Bonds?
Replies: 8
Views: 1249

Re: Max out 401k or keep I/EE Bonds?

I'm not really an expert around here or anything, but I'll provide my two cents anyway. I think in general you could go either way (keep the bonds vs. max out the 401(k) vs. a compromise between the two extremes) so it mostly comes down to personal preference... as neurosphere hinted at knowledge of...
by DavidC
Wed Oct 30, 2013 8:53 pm
Forum: Personal Consumer Issues
Topic: Any one use Truecar.com?
Replies: 19
Views: 4873

Re: Any one use Truecar.com?

Raybo - You did see that Consumer Reports withdrew their recommendation for the Prius, yes? Didn't fare well in the latest frontal offset crash tests. For now CR has only withdrew their recommendation from the Prius V (the bigger one) due to its small overlap front test score ... for now the "norma...
by DavidC
Sat Oct 26, 2013 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Employer stock via 401k same risk as personal investment?
Replies: 4
Views: 544

Re: Employer stock via 401k same risk as personal investment

It's also possible you cannot directly purchase your employer's stock in your 401(k)... it's possible that you have a fund in your 401(k) which in turn invests almost entirely in your employer's stock. That's definitely how my employer's 401(k) works... my 401(k) contains a "Company Common Stock Fun...