Search found 6846 matches

by HueyLD
Tue Jun 25, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: CHIP eligibility with joint custody?
Replies: 8
Views: 319

Re: CHIP eligibility with joint custody?

Yes, the combined income and combined family size.

That’s all I know because I learned that from one of my Tax-Aide clients.

You need to check with KY CHIP department because every state can have its own unique rules.
by HueyLD
Tue Jun 25, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: CHIP eligibility with joint custody?
Replies: 8
Views: 319

Re: CHIP eligibility with joint custody?

Please read what I wrote again. Both parents’ income will be counted in a 50-50 arrangement even though only one of them applies.
by HueyLD
Tue Jun 25, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: CHIP eligibility with joint custody?
Replies: 8
Views: 319

Re: CHIP eligibility with joint custody?

In what state do the parents reside?

In my state, either parent can apply for CHIP even though both parents' income are considered in a 50-50 joint custody arrangement.

The best place for reliable information is to contact the department responsible for CHIP in the state of residence.
by HueyLD
Sun Jun 23, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 763

Re: roofer randomly showing up to home

It is not required that the homeowner be home for a roofer to inspect the roof for whatever the needs may be. They specifically indicated so in my area. They will take pictures, etc. and document most findings electronically so that the back office can submit the bids. And as long as they have your ...
by HueyLD
Fri Jun 21, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Does Fidelity monitor log in locations?
Replies: 6
Views: 919

Re: Does Fidelity monitor log in locations?

Use a VPN.

Or you can call the Fidelity number shown on your statements. And yes they know where you log in if you don’t go thru a VPN.
by HueyLD
Thu Jun 20, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Smoke Alarms with 10 Yr Batteries
Replies: 14
Views: 1205

Re: Smoke Alarms with 10 Yr Batteries

We had a bad experience with the First Alert 10-year (bought from Costco). About 9 months in, both units (it was a 2-pack) started alarming for no reason (no cooking or anything, and usually in the middle of the night). They would take turns going off at different times. We contacted the company an...
by HueyLD
Thu Jun 20, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond dilemma
Replies: 9
Views: 1311

Re: Savings Bond dilemma

"What happens when my EE or I Bond reaches maturity? The bond will automatically be redeemed and the proceeds will be used to purchase a Zero-Percent C of I in your Primary account on the next business day." In other words, your money will be sitting in a zero earning account until you either redeem...
by HueyLD
Thu Jun 20, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Smoke Alarms with 10 Yr Batteries
Replies: 14
Views: 1205

Re: Smoke Alarms with 10 Yr Batteries

I don't think the 10-year battery ones have actually been on the market for 10 years yet, but I do have a First Alert 10-year battery smoke alarm and it hasn't died yet, or it's died in a way that I didn't notice. My house hasn't caught on fire recently, so hard to say for sure. I regret that I hav...
by HueyLD
Thu Jun 20, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Smoke Alarms with 10 Yr Batteries
Replies: 14
Views: 1205

Smoke Alarms with 10 Yr Batteries

I am tired of having to change batteries for hardwired smoke alarms in the tall ceiling. So, I am thinking about getting a model with 10-year batteries such as this one: https://www.firstalertstore.com/store/products/brk-brands-hardwire-smoke-alarm-with-10-year-sealed-battery-9120lbl.htm Does anyone...
by HueyLD
Wed Jun 19, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Ally bank - missing 2018 statements
Replies: 9
Views: 900

Re: Ally bank - missing 2018 statements

Please keep us updated on the status of Ally’s IT fix.

I think it may be a good idea to download each statement and save the pdf files in your own device.
by HueyLD
Tue Jun 18, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Can an Inherited IRA rightly be called a pension?
Replies: 4
Views: 357

Re: Can an Inherited IRA rightly be called a pension?

rynlee wrote:
Tue Jun 18, 2019 8:46 am
Can an Inherited IRA rightly be called a pension?
My loan officer has listed it this way on a URLA, but I wasn't sure that that was an accurate way of describing it.
Are you concerned about creditor protection? It depends on the state of residence.
by HueyLD
Tue Jun 18, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Ally bank - missing 2018 statements
Replies: 9
Views: 900

Re: Ally bank - missing 2018 statements

I logged into my Ally checking account last night to look up a check I wrote last July, and found that all the statements for 2018 missing. Everything was there from 2019, and one statement from December 2017. Has anyone else ever seen anything like this? Can you see your 2018 check statements, or ...
by HueyLD
Mon Jun 17, 2019 9:23 pm
Forum: Personal Investments
Topic: charitable gift account ?
Replies: 13
Views: 750

Re: charitable gift account ?

... take a tax break (based on age and amount given) Right, that's another part of the equation. A big tax break that could potentially (for example) cover doing Roth conversions. Rusty, Donation is the easy part. The income tax part is a bit complicated. If you feel like doing some reading, an exp...
by HueyLD
Mon Jun 17, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: File retroactively for SS spousal benefit?
Replies: 8
Views: 866

Re: File retroactively for SS spousal benefit?

One Ping, Your question has been asked at the "maximize my social security" site and It was answered as follows: "Your wife can claim spousal benefits for up to 6 months retroactively, but not for months prior to the month in which she reached her full retirement age of 66 nor for any months prior t...
by HueyLD
Sun Jun 16, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Parents as dependents and gift tax
Replies: 13
Views: 1209

Re: Parents as dependents and gift tax

Your CPA is mistaken. The dependency rules have not changed except for inflation adjusted amounts. For example, the IRS says: “Gross Income Limitation for a Qualifying Relative. For taxable years beginning in 2019, the exemption amount referenced in § 152(d)(1)(B) is $4,200.” https://www.irs.gov/pub...
by HueyLD
Sat Jun 15, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4124

Re: My Bad Experience With Angie's List

Home repairs/improvements is an industry full of scams. I have used Angie's list in its current unpaid format and am totally underwhelmed with their recommendations. The companies it selected did one of the following things: did not respond at all, responded after a long delay, came to my house and ...
by HueyLD
Sat Jun 15, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Collection agency destroyed my credit report
Replies: 20
Views: 3389

Re: Collection agency destroyed my credit report

LadyGeek wrote:
Sat Jun 15, 2019 9:24 am
Hi looking,

Do you have a trusted family member who can help you with your finances? Perhaps they can help you work with the collection agency to get this straightened out.
+1.
by HueyLD
Sat Jun 15, 2019 9:30 am
Forum: Personal Investments
Topic: Vanguard security
Replies: 40
Views: 3195

Re: Vanguard security

I did contact Vanguard and my rep connected me to an IT person. Well, a couple of rounds later, the problem is still unsolved.

I wonder why Fido doesn't have such problems with exactly the same hardware setup I have?
by HueyLD
Sat Jun 15, 2019 8:22 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 2783

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

The Vanguard brokerage accounts are fine, and everybody will have one sooner or later. I don’t understand why so many bogleheads cling so desparately to the dying mutual fund accounts. You can either rip the bandaid off quickly and get it over with, or you can pull it off slowly and enjoy the painf...
by HueyLD
Sat Jun 15, 2019 8:22 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 2783

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

The Vanguard brokerage accounts are fine, and everybody will have one sooner or later. I don’t understand why so many bogleheads cling so desparately to the dying mutual fund accounts. You can either rip the bandaid off quickly and get it over with, or you can pull it off slowly and enjoy the painf...
by HueyLD
Sat Jun 15, 2019 7:32 am
Forum: Personal Investments
Topic: Vanguard security
Replies: 40
Views: 3195

Re: Vanguard security

Vanguard still doesn’t recognize my laptop no matter how many times I tried.

However, Vanguard recognizes my iPads without issues.

I think Vanguard’s IT system needs help from Fidelity.
by HueyLD
Fri Jun 14, 2019 7:11 pm
Forum: Personal Investments
Topic: Fidelity customer service
Replies: 15
Views: 1374

Re: Fidelity customer service

Executive Contacts Primary Contact Director of Operations Excellence 245 Summer Street Boston, MA 02201 Secondary Contact Director, Customer Experience 245 Summer Street Boston, MA 02201 Customer Resolution Manager 245 Summer Street Boston, MA 02201 Chief Executive Abby Johnson CEO 245 Summer Street...
by HueyLD
Fri Jun 14, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Alerts on Fidelity Cash Management Debit Card
Replies: 4
Views: 418

Re: Alerts on Fidelity Cash Management Debit Card

I wonder if the bank that handles debit cards uses Fido's contact method for sending security codes? "Certain transactions will now require a security code, which you can receive by text or voice call at the phone numbers you've listed in your Profile." Note that all phone numbers in your profile wi...
by HueyLD
Fri Jun 14, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: John Bogle gives tips for life on Father’s Day
Replies: 20
Views: 3878

Re: John Bogle gives tips for life on Father’s Day

Wonderful article and thank you for sharing.

Happy father’s day for all dads.
by HueyLD
Wed Jun 12, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4453

Re: 40+% increase in auto policy (GEICO) - normal?

I talked to a GEICO agent a few months ago and was informed of their pending "new and improved underwriting system that more accurately reflected the risk of each insured." I asked the agent what that meant, more specifically what that would do to my premiums. He plugged my insurance information int...
by HueyLD
Wed Jun 12, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4085

Re: 50 or 75 gallon water heater?

Given your water usage, you should continue to have a 75 gallon tank available.

I have family members who take half an hour shower regularly and when they came visit, my 50 gallon gas powered tank had trouble keeping up sometimes.
by HueyLD
Wed Jun 12, 2019 1:07 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6223

Re: Do Fidelity Offices/Advisors Add Value?

I am surprised that the Fido advisor does not have an assistant who makes virtually all the phone calls to clients and potential clients. Maybe they need to open more offices in your area. Probably. It's the only office in the state and according to the advisor is the busiest in the region. The guy...
by HueyLD
Wed Jun 12, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Trust fund disclosure on asset disclosure?
Replies: 7
Views: 654

Re: Trust fund disclosure on asset disclosure?

Which state as every state’s disclosure requirement is different?

Here is a reference http://www.ncsl.org/research/ethics/fin ... ncome.aspx
by HueyLD
Wed Jun 12, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6223

Re: Do Fidelity Offices/Advisors Add Value?

I am surprised that the Fido advisor does not have an assistant who makes virtually all the phone calls to clients and potential clients.

Maybe they need to open more offices in your area.
by HueyLD
Wed Jun 12, 2019 10:29 am
Forum: Personal Investments
Topic: Paradox of CCRC Funding!
Replies: 11
Views: 1441

Re: Paradox of CCRC Funding!

"Emerging medical issues" could be a problem.

I happen to know a couple of Tax-Aide volunteers who could not get into a CCRC of their choice due to medical issues.

I guess it depends on which medical issues a CCRC doesn't like.
by HueyLD
Tue Jun 11, 2019 10:57 am
Forum: Personal Investments
Topic: Capital gains on annuity
Replies: 4
Views: 388

Re: Capital gains on annuity

Based on what the OP posted, I think what he owns is a non-qualified variable annuity. Please confirm this understanding, OP. Additional bad news for non-qualified VA is that unless you annuitize the VA, any withdrawal (partial or total) will be taxable until all earnings are withdrawn. In other wor...
by HueyLD
Mon Jun 10, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3137

Re: Good Rx

GoodRX is such a good resource for comparison shopping of prescriptions.

It is eye opening to see that sometimes one could pay cash at 1/3 of the cost of an insurance copay. Go figure!
by HueyLD
Mon Jun 10, 2019 5:04 pm
Forum: Personal Investments
Topic: Social Security and divorce
Replies: 3
Views: 730

Re: Social Security and divorce

I just turned 62, and my ex-wife to whom I was married for 19 years is 42. According to SSA.gov, I am eligible to receive $2000 a month at age 62. Does this mean I will collect $2000 a month until such time that she turns 62, and then my benefit will be reduced by half. Your own benefit is not redu...
by HueyLD
Mon Jun 10, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Buying new condo without a realtor - can I ask for realtor fee discount?
Replies: 15
Views: 791

Re: Buying new condo without a realtor - can I ask for realtor fee discount?

In real estate, everything is negotiable.

Just ask the builder. The worst you can get is "no!"
by HueyLD
Sun Jun 09, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1715

Re: How to donate to a non profit organization anonymously?

hello, Any thoughts on How to donate to a non profit organization anonymously? Thanks You can enclose a note with your donation requesting that your donation be labeled as anonymous. In addition, you can ask the organization to not send you future solicitations. As other have noted, you can also us...
by HueyLD
Sun Jun 09, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Earnings
Replies: 4
Views: 899

Re: Social Security Earnings

Quick question RE Social Security and what counts as earnings. From what I read, it seems that the only thing they count as earnings are W-2 income. Is that correct? I get a W-2 from a company I own, but also, the profit from the S Corp flows down on my personal return. Does that not count as earni...
by HueyLD
Sun Jun 09, 2019 8:22 am
Forum: Personal Investments
Topic: I Bonds & Revocable Living Trust
Replies: 11
Views: 1739

Re: I Bonds & Revocable Living Trust

But what is the purpose of having a trust if you are purchasing $10,000 per SS outside of the trust? I thought the point of the trust was to increase the purchase limit? I would have thought beneficiary designations are as effective as a revocable trust for avoiding probate, and that they wouldn’t ...
by HueyLD
Sat Jun 08, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security deductions after maxing out Social Security benefit?
Replies: 23
Views: 2276

Re: Social Security deductions after maxing out Social Security benefit?

In another year I will have worked for 35 full years at the maximum level for Social Security benefits. My understanding is that at that point my eventual Social Security benefit is "maxed" and cannot go any higher (other than for inflation adjustments). I intend to continue to work for a few more ...
by HueyLD
Tue Jun 04, 2019 10:35 pm
Forum: US Chapters
Topic: Any Los Angeles area chapters?
Replies: 6
Views: 634

Re: Any Los Angeles area chapters?

I think poster JMacdonald is still the LA area coordinator. Paging Joe....
by HueyLD
Tue Jun 04, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8250

Re: Costco or Sam's Club?

My local Costco opens at 9 a.m. on Tuesdays and Thursdays and it was a breeze to show up at 9 a.m. No lines anywhere.
by HueyLD
Tue Jun 04, 2019 5:07 am
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4274

Re: Amazon free shipping, bait-and-switch?

If it’s really only giving the next day shipping price and you can’t select slower shipping, there’s probably a bug. Either contact customer support, or wait a day and see if the problem goes away. Interesting that this "bug" has been discussed (as I noted above) since 2015 and there are still repo...
by HueyLD
Mon Jun 03, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3709

Re: Invited to vacation house then surprised with expenses—what now?

If the OP's spouse is o.k. with sharing the cost, just pay it for family sake.

However, do ask in advance next time.
by HueyLD
Mon May 27, 2019 12:52 pm
Forum: Personal Investments
Topic: How to Opt-Out of Vanguard Personal Advisor Services
Replies: 11
Views: 2092

Re: How to Opt-Out of Vanguard Personal Advisor Services

A friend of mine hired a RIA firm to manage his money. As the stock markets soared in 2007, he decided he could do better himself. So, he left the advisor and then the Great Recession hit him hard. He wanted to go back to the RIA firm, but the advisor declined to take him back. I think the advisor c...
by HueyLD
Mon May 27, 2019 7:25 am
Forum: US Chapters
Topic: Retiredjg at 36,000 posts!
Replies: 34
Views: 2368

Re: Retiredjg at 36,000 posts!

retiredjg wrote:
Sun May 26, 2019 5:50 pm
Wow. :shock:

Thanks for all the kind words folks. I'm glad to know my thoughts have been helpful to so many people.

HueyLD, the title of "queen" is already taken! By Queen Laura. :D.
But Queen Laura has passed the baton to Retiredjg. Again, congrats and keep on posting.
by HueyLD
Sun May 26, 2019 5:07 pm
Forum: US Chapters
Topic: Retiredjg at 36,000 posts!
Replies: 34
Views: 2368

Re: Retiredjg at 36,000 posts!

Many thanks to Retiredjg. She has made the world (more specifically this forum) a better place.

Long live the BH Queen.
by HueyLD
Sun May 26, 2019 12:23 pm
Forum: Personal Investments
Topic: How to Opt-Out of Vanguard Personal Advisor Services
Replies: 11
Views: 2092

Re: How to Opt-Out of Vanguard Personal Advisor Services

Agree with cherijoh above.

The VPAS advisors have to eat and pay bills. It is not reasonable to ask them to work for free.
by HueyLD
Sun May 26, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Deer hit car near kid's school...file claim back home?
Replies: 27
Views: 1660

Re: Deer hit car near kid's school...file claim back home?

I had a close encounter with a deer many years ago when I was out of town on business in a relatively rural area. I was driving my car with three coworkers in passenger seats. We were on the way back to the hotel from our dinner outing. Everyone was pretty relaxed and ready to call it a day. Then al...
by HueyLD
Sat May 25, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Divorced spousal benefit strategy
Replies: 7
Views: 1132

Re: Divorced spousal benefit strategy

If the ex-husband continues to work and his earnings are large enough to displace an earlier year in his highest 35 years of adjusted earnings, his PIA is recalculated. Since her spousal benefit is based on his PIA, she will get a bump in pay as well. If her spousal benefit is greater than her own e...
by HueyLD
Sat May 25, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Am I a sucker to pay for a new roof?
Replies: 24
Views: 2325

Re: Am I a sucker to pay for a new roof?

RickBoglehead wrote:
Sat May 25, 2019 9:47 am
Never hire door to door contractors, especially roofers and driveway sealant guys.
Very true. Good roofing companies seem to be busy most of the time.
by HueyLD
Sat May 25, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Am I a sucker to pay for a new roof?
Replies: 24
Views: 2325

Re: Am I a sucker to pay for a new roof?

Where I used to live, we had a lot of severe weather including hail storms, tornados, ice storms, etc. And it was not unusual to file insurance claims for roof damage for the vast majority of an affected neighborhood. That's what insurance is about. Even if you have no claims, your insurance rate wi...