Search found 5676 matches

by HueyLD
Tue May 22, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 14
Views: 681

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

Any claim for tow, gas, battery jump or tire change shows up on CLUE report as a insurance claim if you use geico. Not sure what's a CLUE report, but i emailed Geico about that and they responded: When you use the service, it will not impact your premium. However, if the service is used more then 5...
by HueyLD
Tue May 22, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: both spouses not wait for SS ?
Replies: 26
Views: 3001

Re: both spouses not wait for SS ?

Yes, his benefit will be reduced if she claims before her FRA but continues to work and earns excess earnings. 404.415. Deductions because of excess earnings. (a) Deductions because of insured individual's earnings. Under the annual earnings test, we will reduce your monthly benefits (except disabil...
by HueyLD
Tue May 22, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard iPad App
Replies: 7
Views: 920

Re: Vanguard iPad App

I tried out their iPad app and was thoroughly underwhelmed with the app. So, I deleted the app.
by HueyLD
Mon May 21, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1302

Re: Medicare and Cataract surgery - one or two charges?

Did anyone go with premium lenses and paid an additional $2,000 - $3,000 per eye? Note that the additional cost is not covered by insurance. I went with toric lenses because of acute astigmatism in both eyes. They were expensive. So did I. $900/eye. Best $1800 I ever spent in my life. $900 per lens...
by HueyLD
Mon May 21, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1302

Re: Medicare and Cataract surgery - one or two charges?

As a doc, I prefer to keep things as simple as possible. So I went with the basic lenses. I used a private ophthalmologist rather than a cataract mill, and he told me well over 90% went with standard monofocal lenses, and that's what he would choose for himself. I have been looking for those who ch...
by HueyLD
Mon May 21, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1302

Re: Medicare and Cataract surgery - one or two charges?

Did anyone go with premium lenses and paid an additional $2,000 - $3,000 per eye? Note that the additional cost is not covered by insurance.
by HueyLD
Mon May 21, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1302

Re: Medicare and Cataract surgery - one or two charges?

One eye at a time.

Two separate surgeries.
by HueyLD
Sun May 20, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts and Bank Accounts
Replies: 17
Views: 1104

Re: Trusts and Bank Accounts

Sport,

I think you need a new bank.
by HueyLD
Mon May 14, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.
Replies: 24
Views: 1162

Re: Unequal beneficiaries for POD accounts to maximize FDIC at Ally.

Q: Can I have more than $250,000 of deposit insurance coverage at one FDIC-insured bank? A: Yes. The FDIC insures deposits according to the ownership category in which the funds are insured and how the accounts are titled. The standard deposit insurance coverage limit is $250,000 per depositor, per...
by HueyLD
Mon May 14, 2018 6:43 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8943

Re: The front page is ugly

Most of this forum looks professional and well maintained. But the front page has some kind of text-based forum preview from the early 90s. This should really be changed. I know the current front page may be useful to some users, but shouldn't it be placed elsewhere? This website should put its bes...
by HueyLD
Sun May 13, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Why did Capital One 360 say my cell phone couldn't be verified?
Replies: 9
Views: 974

Re: Why did Capital One 360 say my cell phone couldn't be verified?

Non prepaid phone plans require an SSN and such info is reported to credit bureaus. However, prepaids don't ask for SSN. I think the phone verification process goes thru a credit bureau to validate your phone number, not the carrier. So, a prepaid phone or a credit freeze can cause verification prob...
by HueyLD
Sun May 13, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Bogleheads® Wiki 2018 annual report - Happy Tenth Anniversary!
Replies: 9
Views: 692

Re: Bogleheads® Wiki 2018 annual report - Happy Tenth Anniversary!

Thank you so much, LG. You are the queen of BH wiki.

Best wishes and Happy Mother's Day.
by HueyLD
Fri May 11, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: "Patient paid amount" for month of death in nursing home?
Replies: 33
Views: 3759

Re: "Patient paid amount" for month of death in nursing home?

I'm not sure if anybody will know the answer to this, but I figured I would give it a shot. Sadly, my grandmother passed away at the age of 102 in March. She had been living at a nursing home nearby. Each month her room and board were paid for out of her social security ("patient paid amount" or "P...
by HueyLD
Thu May 10, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 3833

Re: Amazon package that can't be traced

Well, I am still waiting for my mysterious package to arrive. Hopefully I will get the stuff I like and of the right size. :)
by HueyLD
Thu May 10, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5280

Re: What's the view on dogs running free?

No kidding about the fear from being attacked by a "friendly" dog. I still have a physical scar and a mental scar from a similar attack when I was about your daughter's age.
by HueyLD
Thu May 10, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Any issues with upgrading Vanguard taxable account to brokerage?
Replies: 19
Views: 1660

Re: Any issues with upgrading Vanguard taxable account to brokerage?

livesoft wrote:
Thu May 10, 2018 12:03 pm
My spouse is not retired, so that's what's wrong with that answer.
Well, sir, it is up to her to come up with something if she wants a brokerage account.
by HueyLD
Thu May 10, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Any issues with upgrading Vanguard taxable account to brokerage?
Replies: 19
Views: 1660

Re: Any issues with upgrading Vanguard taxable account to brokerage?

My spouse started the upgrade process, but then they asked about employment and she said, "None of Vanguard's business!", so stopped the process. So that's one issue. There is a legitimate reason for asking about employment because certain employment can preclude one from opening a brokerage accoun...
by HueyLD
Thu May 10, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8816

Re: Warning: avoid Windows 10 update 1803

Microsoft used to just do monthly updates without the semiannual total makeover of Windows operating system. Does anyone know why they decided to do massive updates every six months nowadays?
by HueyLD
Thu May 10, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5280

Re: What's the view on dogs running free?

The lawsuit if a neighbor dog bites somebody while escaped on my property...really? I guess that's what umbrella is for. I'd just turn around and sue the dog owner. So I'm not off base expecting them to constrain their dog. That was really the question. I will add they only let them run like this w...
by HueyLD
Thu May 10, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8816

Re: Warning: avoid Windows 10 update 1803

You can set either wired or wireless connection as a metered connection.

My data cap is so high that I have no need to do so. But it is nice to know that such an option exists.
by HueyLD
Wed May 09, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Pay Pal customer support
Replies: 4
Views: 361

Re: Pay Pal customer support

Https://www.paypal.com/us/smarthelp/contact-us


PayPal Customer Service
1-888-221-1161
1-402-935-2050 (if calling from outside the U.S.)
by HueyLD
Wed May 09, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5280

Re: What's the view on dogs running free?

They probably figure its less annoying to you to just go get the dog than to knock on your door then go get the dog. Its one of those things where yes they should have better control of the dog but no its not worth bringing up. EDIT: to the posters below me, calling animal control to have to dog im...
by HueyLD
Wed May 09, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5280

Re: What's the view on dogs running free?

It wont stop bothering you regardless of replies here. Put up a fence. I don't want a fence. Our neighbors on either side don't have a fence an we like the openess. The doggy lives two homes down. Call your city/town government office and inquire about any leash policy. it is possible to call the c...
by HueyLD
Wed May 09, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6940

Re: Gold ball cracked my house window. Do I have any recourse?

Before I bought my current house, I investigated the liability for such incidents.

And the answer got me to buy in a neighborhood without an adjacent golf course.

The OP needs to check with his HOA or the CC&Rs.
by HueyLD
Tue May 08, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1102

Re: annualcreditreport

randompacking wrote:
Tue May 08, 2018 8:12 am
has anyone tried to do more than 3 per year through the annualcreditreport website?
I requested one on the 364th day by mistake and the credit bureau was much smarter than I was.
by HueyLD
Sun May 06, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4580

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

Unless the OP or his wife is a dual citizen, it may be very difficult for someone with an American passport to open an account overseas. The reporting requirements are such that American citizens are not very welcome by foreign financial institutions.
by HueyLD
Sun May 06, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8816

Re: Warning: avoid Windows 10 update 1803

I always pray before any update is started. Sigh..... I always do backup before any big update. The problem is that when they trigger one like that automatically you may not have done a backup recently. I back up files regularly, but MSFT updates always make me uncomfortable. I bought a new HP lapt...
by HueyLD
Sun May 06, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8816

Re: Warning: avoid Windows 10 update 1803

I am sure there is a business reason, but MSFT didn't use to do a complete operating system update every spring and every fall.

I always pray before any update is started. Sigh.....
by HueyLD
Sun May 06, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4361

Re: AMC Movie Theaters -- typical OR not?

TravelGeek wrote:
Sat May 05, 2018 9:00 pm

II can’t stand the sticky floors and the crunching noise of popcorn and candy wrappers.
Yes, that's a real problem. But theaters make more money selling junk food than selling tickets.
by HueyLD
Sat May 05, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8816

Re: Warning: avoid Windows 10 update 1803

I just spent 2 1/2 hours installing ver 1803. It took a while but the new operating system was installed successfully.

My Lenovo is only five months old.
by HueyLD
Sat May 05, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Buying house from 1977
Replies: 20
Views: 1532

Re: Buying house from 1977

Question for the forum. I am looking at buying a house from 1977. I am worried about the age of the house given i have only owned houses previously built within the past 10 years. I am aware of the caution for asbestos/lead, but am interested in knowing others perspectives on what to look out for i...
by HueyLD
Fri May 04, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: question about how to buy ibonds for wife?
Replies: 5
Views: 538

Re: question about how to buy ibonds for wife?

Hello all, I just made my yearly ibond purchased in my TD account and I was hoping to start my wife up on our ibond investing. Question - do I create a new "registration" with her name or a completely seperate account? If I do create a separete registration, do I select Sole Onwer, Primary registra...
by HueyLD
Fri May 04, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8816

Re: Warning: avoid Windows 10 update 1803

Have you installed their April Win 10 updates? The April updates may fix the March update problems.
by HueyLD
Fri May 04, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8816

Re: Warning: avoid Windows 10 update 1803

samsoes wrote:
Fri May 04, 2018 9:37 am
I curse the day I decided to take the "free" upgrade from Windows 7 to Windows 10.
I have problems with Win 7 also. I kept getting a request to update even though the same file has been installed several times.
by HueyLD
Fri May 04, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 91
Views: 8816

Re: Warning: avoid Windows 10 update 1803

Windows 10 has tried to update my PC every day for the last several weeks (except for a two week long stretch when I disabled the service). In addition my DVD drive disappeared, but is now back. Its also a real pain if I have Excel files open, because it creates recovery versions on restart 2018-03...
by HueyLD
Thu May 03, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Forgot to report 1099-B; Received CP2000 notice
Replies: 6
Views: 616

Re: Forgot to report 1099-B; Received CP2000 notice

The OP's omission of stock sale 1009-B happens so regularly that the IRS probably treats it like a routine matter.

And as usual, the scary notice that assumes zero basis always gets a taxpayer's intense attention. The OP is handling it like a pro. Relax, it will work out in due time.
by HueyLD
Thu May 03, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 1795

Re: Savings bond Wizard says Rate N/A for I bonds

You can set your browser to delete all cookies whenever you exit the browser.
by HueyLD
Wed May 02, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: How are you widow-proofing?
Replies: 35
Views: 4441

Re: How are you widow-proofing?

TomatoTomahto wrote:
Wed May 02, 2018 5:22 pm
I planned ahead, so instead of widow-proofing, I married a woman smarter than me. She doesn’t want to be bothered with the finances, but can surely do as good a job as I have, when the time comes.
Very well said, Mr. TT.
by HueyLD
Wed May 02, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care facility - shielding some assets for the kids
Replies: 37
Views: 3839

Re: Continuing Care facility - shielding some assets for the kids

My husband and i expect to move to a CCRC in the near future. These facilities, as most of you will know, demand all financial information, including any gifts you might have made to anyone in the 5 years prior to admission. And they require you to agree not to give away any substantial amount of m...
by HueyLD
Wed May 02, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4066

Re: Ally asking CURRENT customer to provide SSN card?

Employers ask for these cards from new employees. I guess you could ask them what they think they are accomplishing too. Employers have a form called an I-9 where they have to verify a person's identity and eligibility to work. I think munemaker’s point is that an employer shouldn’t need a copy of ...
by HueyLD
Wed May 02, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4066

Re: Ally asking CURRENT customer to provide SSN card?

I hope they don't ask me for mine as I lost my SS card decades ago. I have not been asked for mine since I believe my first job in high school (four decades ago). I too haven't seen mine in decades. I'm sure I couldn't find it, if I even have it, any more. One interesting thing to note, I didn't ev...
by HueyLD
Wed May 02, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 1795

Re: Savings bond Wizard says Rate N/A for I bonds

When you are taken to a TD website for the first time after clicking on the "go to savings bond calculator" button on the .htm file, you need to scroll down right away. Do it slowly. A blue button with white letters of VIEW ALL should be near the left hand side. I don't know how to do screen shot ei...
by HueyLD
Wed May 02, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 1795

Re: Savings bond Wizard says Rate N/A for I bonds

Sport,

You need to scroll down to see the "VIEW ALL" button on the left hand side.

Click on the view all button and you shall see all your bonds.
by HueyLD
Wed May 02, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Restricted Application for Spousal Benefit
Replies: 27
Views: 2283

Re: Social Security Restricted Application for Spousal Benefit

No, it would not eliminate your delayed retirement credit.
by HueyLD
Wed May 02, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4066

Re: Ally asking CURRENT customer to provide SSN card?

I volunteer with AARP TaxAide and we ask for a social security card for everyone on the return (i.e., dependents as well as taxpayer). Main point is to be sure we have the right number and right spelling of name to avoid having efiled returns getting rejected. We also ask for photo ID to deter ID t...
by HueyLD
Wed May 02, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4066

Re: Ally asking CURRENT customer to provide SSN card?

JMacDonald wrote:
Wed May 02, 2018 7:48 am
I wonder if this doesn't have something to do with the new social security cards that are being sent out to everyone.
Has anyone received their new card yet?
New SS card for everyone? Is that right?

Or did you mean to say Medicare card?
by HueyLD
Tue May 01, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 5
Views: 823

Re: Savings Bond Wizard replacement is available

In addition, you can save the inventory as a .htm file to your local drive for future update.
by HueyLD
Tue May 01, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: NJ tax filing question
Replies: 5
Views: 322

Re: NJ tax filing question

I don't know. Going to a government office can be a challenge. But you do need to get it resolved. Does NJ have a website that can tell you if they ever received your filing? I assume that your tax service e-filed your NJ return. But once in a while something might happen in the electronic submissio...
by HueyLD
Tue May 01, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 1795

Re: Savings bond Wizard says Rate N/A for I bonds

Did you follow all the instructions?

Below the summary line, you need to click on "see inventory" or something similar to see every bond in the inventory.