Search found 5020 matches

by HueyLD
Thu Sep 21, 2017 11:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 79
Views: 4216

Re: Bogleheads you would most like to meet and why?

I met LadyGeek at a BH reunion. I thought she would be kind of scary due to her moderating activities, but she was absolutely delightful, interesting and friendly.
by HueyLD
Wed Sep 20, 2017 4:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 79
Views: 4216

Re: Bogleheads you would most like to meet and why?

livesoft wrote:
Wed Sep 20, 2017 12:54 pm
an_asker wrote:
Wed Sep 20, 2017 12:52 pm
livesoft wrote:
Mon Sep 18, 2017 11:58 pm
[...]
I'm happy to buy anyone breakfast, lunch, and/or dinner.[...]
How far do I have to drive to get this free lunch? ;-)
No worries, I'll come to you.
In that case, Livesoft is welcome to come to my little town and buy me breakfast, lunch or dinner. :)
by HueyLD
Wed Sep 20, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard PAS Seems Inflexable
Replies: 24
Views: 1742

Re: Vanguard PAS Seems Inflexable

Vanguard has a process for managing RMDs which does not involve the PAS. Would DW be capable of, and/or interested in, specifying withdrawals if she had guidelines about taxes, and use withdrawals to effectively rebalance? Is there a family member who could provide occasional advice? Yes, my daught...
by HueyLD
Tue Sep 19, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard for non-resident aliens
Replies: 22
Views: 1022

Re: Vanguard for non-resident aliens

If you still want to do business with Vanguard, you can open an account by mail. Here is the link of the PDF file https://www.vanguard.com/pdf/0015.pdf. Note on page 5 of 15, you can answer the question regarding your tax residency. Wait untill after you have met the requirement to file fome 1040. A...
by HueyLD
Mon Sep 18, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Ccleaner (32-bit) had malware payload with legit signed version
Replies: 24
Views: 2014

Re: Ccleaner (32-bit) had malware payload with legit signed version

Ccleaner's 32 bit version had a malware payload and was distributed to anyone who downloaded version 5.33 from the piriform website My computer is running a 64-bit Windows Operating System. Can I assume that this specific attack did not affect my computer? According to piriform website, only 32- bi...
by HueyLD
Mon Sep 18, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1628

Re: SS Spouse Benefit

Your understanding is correct as stated above. I suggest that you search the forum for posts by ObliviousInvestor and sscritic. There is no reason to reinvent the wheel. P.s. The formula you original asked is: (1 - early self reduction) x (her PIA) + (1 - early wife reduction) x (1/2 husband's PIA -...
by HueyLD
Mon Sep 18, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Ccleaner (32-bit) had malware payload with legit signed version
Replies: 24
Views: 2014

Re: Ccleaner (32-bit) had malware payload with legit signed version

Sigh.... What is an average consumer supposed to do if a legit download from a well known company can't be trusted? I opened up the CCleaner and it immediately told me to install an important update to ver 5.34. After the installation, I am running a full scan on the PC. Hopefully I don't need to re...
by HueyLD
Mon Sep 18, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5570

Re: Getting over emotional attachment to house

My humble opinion re: Palm Springs....meh... not so much. Nice place to visit, but I wouldn't want to live there. We would actually move to Indian Wells, which has a very different vibe than Palm Springs proper. It's about 15 miles east of Palm Springs. I like to golf, so the thought of retiring ne...
by HueyLD
Sat Sep 16, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1628

Re: SS Spouse Benefit

As an example, consider a husband with a PIA of $3000 and a wife with a PIA of $1000. And assume the new rules with no file and suspend and no restricted application. Also, no disability or young child involved. And no COL adjustments. If the wife takes her benefit at FRA, she will get $1000 from h...
by HueyLD
Fri Sep 15, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2535

Re: Vanguard customer service/technology = "Bad returns in Bad times"

Jack and Other Fido Clients, Your experience may be better because you have shown Fido that you are more than capable of DIY. However, for some oldies who are not so sure about themselves and may also be somewhat confused, the opportunity for the salespeople to earn a bigger bonus can be a problem. ...
by HueyLD
Fri Sep 15, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2535

Re: Vanguard customer service/technology = "Bad returns in Bad times"

That's Wells Fargo. Where did the concern regarding Fidelity come from? I am a Fidelity client and I have never experienced any sales pressure at all. It is a self directed brokerage. I happen to like Fidelity but it is known to push high margin products onto its customers. I was horrified to learn...
by HueyLD
Fri Sep 15, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: TransUnion - Credit Lock vs. Freeze
Replies: 9
Views: 748

Re: TransUnion - Credit Lock vs. Freeze

+1 Rupert.

A credit freeze reduces the revenues for credit bureaus and that's why they try so hard to discourage you.
by HueyLD
Fri Sep 15, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Vanguard customer service/technology = "Bad returns in Bad times"
Replies: 37
Views: 2535

Re: Vanguard customer service/technology = "Bad returns in Bad times"

Do you have children or trusted friends/relatives that can help you in your old age?

It is something to be aware of and having an ally on your side can mitigate this risk.
by HueyLD
Fri Sep 15, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 1784

Re: Verify credit freeze is active?

The info has been on the free credit reports for many years now. Which are "temporarily unavailable." Also, of course, if you got a free credit report recently, before you froze your credit, you can't get another one right now just to verify that the freeze took. All the credit agencies' websites h...
by HueyLD
Thu Sep 14, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 1784

Re: Verify credit freeze is active?

Other than having copies of the PIN receipts issued by each of the big three credit reporting agencies is there a way to verify the freeze is in effect? The websites seem to be limited to placing or lifting a freeze. I don't see an option for checking the status or verifying the freeze is active. P...
by HueyLD
Wed Sep 13, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 56
Views: 4814

Re: Turned down for umbrella insurance

When you are turned down for an insurance, you can request your own CLUE report. Start there and see if there are (inaccurate) records in the insurance database.

Good luck.
by HueyLD
Mon Sep 11, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiaries & Access to Joint Account
Replies: 7
Views: 632

Re: Vanguard Beneficiaries & Access to Joint Account

I see. Sounds like they don't necessarily force it to happen, but would like to see it happen. My wife has absolutely no interest, so it's more practical with one login According to Vanguard Terms and Condition of Use https://personal.vanguard.com/us/content/SiteWide/LglDocs/TermsConditionsofUseCon...
by HueyLD
Sun Sep 10, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Excess Payment to Doctor, Surgery Center
Replies: 15
Views: 1473

Re: Excess Payment to Doctor, Surgery Center

Dr. Staythecourse,, It is easier said than done. Sometimes, there is only one such facility in your area and very few patients are willing or able to drive for hours to a facility in another town. I have a lot of respect for medical professionals, but the whole healthcare system definitely has a pro...
by HueyLD
Sun Sep 10, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Excess Payment to Doctor, Surgery Center
Replies: 15
Views: 1473

Re: Excess Payment to Doctor, Surgery Center

Just call each of them and talk to the person who handles billing and they should get you your refund. Just reminder the doctor's office is a different entity then the surgery center so different phone calls are needed. Calling could be a major problem. Some facilities here contract out their billi...
by HueyLD
Thu Sep 07, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Joint or Individual for new taxable account at Vanguard?
Replies: 24
Views: 1638

Re: Joint or Individual for new taxable account at Vanguard?

Somewhere, an IT person who did this online account application for Vanguard should be fired. On the first screen, when you select account type, "Individual", "Joint", and "Trust" account are the only choices. There is no mention of account registration there at all, and no hints as to how communit...
by HueyLD
Thu Sep 07, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Inherited Savings Bonds
Replies: 30
Views: 1874

Re: Inherited Savings Bonds

Audit is not a concern for the OP.

The OP wants to amend his parents prior returns to hopefully lower the income tax burden on the savings bonds.

IMO, it is a lot of work, considering the time and efforts, balance due plus interest and penalty for both federal and state.
by HueyLD
Thu Sep 07, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Joint or Individual for new taxable account at Vanguard?
Replies: 24
Views: 1638

Re: Joint or Individual for new taxable account at Vanguard?

I think you have to call Vanguard because their account opening form doesn't have a box for joint community property.

Fidelity's new account form has such a box to check.
by HueyLD
Thu Sep 07, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Inherited Savings Bonds
Replies: 30
Views: 1874

Re: Inherited Savings Bonds

Gill wrote:
Wed Sep 06, 2017 8:32 pm
Keep in mind the only returns you can amend are 2014 through 2016.
The three-year rule is for refund only. If a taxpayer wants to amend his/her returns to pay the government additional balance due plus interest and penalty, they are not going to refuse the money.
by HueyLD
Thu Sep 07, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Joint or Individual for new taxable account at Vanguard?
Replies: 24
Views: 1638

Re: Joint or Individual for new taxable account at Vanguard?

The OP quoted: "A 1985 revision of New Mexico statutes states “property acquired by a husband and wife by an instrument in writing, whether as tenants in common, as joint tenants or otherwise, will be presumed to be held as community property unless such property is separate property.” It is the pre...
by HueyLD
Wed Sep 06, 2017 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Joint or Individual for new taxable account at Vanguard?
Replies: 24
Views: 1638

Re: Joint or Individual for new taxable account at Vanguard?

Yes, I was only addressing taxable accounts.

What did I say that lost you?
by HueyLD
Wed Sep 06, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Joint or Individual for new taxable account at Vanguard?
Replies: 24
Views: 1638

Re: Joint or Individual for new taxable account at Vanguard?

Unless there are compelling reasons to have the account individual, I would go for joint. That way, if you are not available, your spouse can conduct business. +1. Also, there's the basis step-up question. I believe that in a community property state (such as ours), the tax code says community prop...
by HueyLD
Wed Sep 06, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Deductibility of LTC premiums
Replies: 7
Views: 841

Re: Deductibility of LTC premiums

I am self employed as a sole proprietor and my wife is an employee. We are in our mid sixties. I have recently purchased long term care policies for each of us and paid one lump sum for the total of the premiums - $129K for me and $147K for my wife. How much of the premiums will be deductible on ou...
by HueyLD
Wed Sep 06, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Savings Bonds
Replies: 30
Views: 1874

Re: Inherited Savings Bonds

My first question is will the Treasury even reissue savings bonds that have reached their maturity? No. Once they matured, the only option is to redeem the bonds. Also no to basis step-up. Also, the interest should have been reported on an income tax return for the year when the Savings Bonds matur...
by HueyLD
Wed Sep 06, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Savings Bonds
Replies: 30
Views: 1874

Re: Inherited Savings Bonds

My first question is will the Treasury even reissue savings bonds that have reached their maturity?
No. Once they matured, the only option is to redeem the bonds.

Also no to basis step-up.
by HueyLD
Sun Sep 03, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?
Replies: 16
Views: 1082

Re: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?

Another suggestion. If your employer allows for a "specific amount" of withholding ILO of number of allowances, it is easier to just ask to have a set amount withheld from each paycheck. This way, you can have an exact amount withheld to suit your goals. For example, you may want to have 110% of las...
by HueyLD
Sat Sep 02, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?
Replies: 16
Views: 1082

Re: 2 or 3 W-$ allowances for MFJ, no kids, 1 spouse w/taxable earned income?

You should claim no more than two allowances. Even though your wife's income is excludable by FEIE, your income tax calculation is a three-step process: (1) calculate the income tax liability based on your taxable income plus her excluded FEI. (2) calculate the income tax liability based on her excl...
by HueyLD
Sat Sep 02, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 13814

Re: Re:

Why do you care? You will be dead. If you married someone who will make bad choices, perhaps you made a bad choice when you picked this person. More likely, you picked her for reasons not related to her financial acumen. She will be the same person with the same qualities after you die as she is to...
by HueyLD
Fri Sep 01, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Flying business class with kids (TATL)
Replies: 24
Views: 1383

Re: Flying business class with kids (TATL)

I think the OP may have a point in his concerns about annoying drunk adult passengers in business class.

I am allergic to alcohol and the mere smell of alcohol (if strong enough) can cause problems. I think that was what happened to me last time.

YMMV.
by HueyLD
Fri Sep 01, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: What was closing price of BND on 8/31/2017 from Vanguard website?
Replies: 6
Views: 412

Re: What was closing price of BND on 8/31/2017 from Vanguard website?

According to this Vanguard site ( https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/productoverview?fundId=0928 ), the closing prices for BND on 8/31 were: 82.53 (MV) 82.46 (NAV) Additional historical data: https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/price?fundId=...
by HueyLD
Fri Sep 01, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Flying business class with kids (TATL)
Replies: 24
Views: 1383

Re: Flying business class with kids (TATL)

If you limit the children's business class travel to international only, I don't see how they could be spoiled.

As a compromise, you could consider "premium economy," but you won't be nearly as comfortable in premium economy section.
by HueyLD
Thu Aug 31, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3232

Re: Ally Bank: No one can answer a simple question

They have a different way of counting days. For example, a CD opened on June 19 earned two days of interest on the 6/20/2017 statement because the interest accrued was $25000 x 1.35% x 2/365 = $1.84. They would rather that you started receiving the interest on day one. As a result, you will not rece...
by HueyLD
Thu Aug 31, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank: No one can answer a simple question
Replies: 19
Views: 3232

Re: Ally Bank: No one can answer a simple question

OP, When did you open and fund the CD? If you opened the CD sometime in June, it is entirely possible that they credited you with 31 days of accrued interest because you started receiving interest on the account opening date not the day after. Also, they calculate interest daily based on the balance...
by HueyLD
Wed Aug 30, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2349

Re: QCDs from Vanguard

My minimum is $250.
by HueyLD
Wed Aug 30, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How to include living trust as beneficiary in investment account?
Replies: 15
Views: 699

Re: How to include living trust as beneficiary in investment account?

My guess is that the OP might have misunderstood his lawyer's instructions.

The OP might have confused taxable accounts with retirement accounts. I think the instructions for retirement accounts indicate that the spouse is the primary beneficiary and the RLT is the secondary beneficiary.
by HueyLD
Tue Aug 29, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2349

Re: QCDs from Vanguard

Sheepdog wrote:
Tue Aug 29, 2017 11:22 am
You should have QCD documentation, though, in case you are audited
Yes, absolutely.

Such documentation typically is a letter of acknowledgement from the charity.
by HueyLD
Tue Aug 29, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What does Medicare REALLY Cost Wealthy Seniors
Replies: 24
Views: 2192

Re: What does Medicare REALLY Cost Wealthy Seniors

The other factor to be considered is availability of Physicians taking Medicare vs. other insurance. In this area, a great many primary care physicians do not take new Medicare patients, but will continue to serve (and take Medicare) for existing patients. It is highly location dependent. You must ...
by HueyLD
Tue Aug 29, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2349

Re: QCDs from Vanguard

Vanguard does not mark donations as QCDs. They are treated by Vanguard as ordinary withdrawals. In fact, when I have a QCD check sent to me, Vanguard includes a flyer that tells me I could get my money faster by linking my bank account to my Vanguard account. The year-end 1099 statement also does n...
by HueyLD
Sat Aug 26, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: 1035 exchange WL-> Fidelity annuity, tax ramifications?
Replies: 7
Views: 549

Re: 1035 exchange WL-> Fidelity annuity, tax ramifications?

So , is it possible to get the basis out prior to 1035 transfer? i.e. in 100k situation in which 60k is basis and 40k is taxable gain, "extract" the basis and transfer the gain into IRA like (pre-tax money taxed at withdrawal) situation? No. A tax-free exchange under § 1035 requires that the basis ...
by HueyLD
Fri Aug 25, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Fixing Slow Drains
Replies: 40
Views: 3073

Re: Fixing Slow Drains

Baking soda and vinegar mix works well for kitchen drain because grease is the main problem with kitchen drain.

Physical gadget in combination with Draino or the like works for bathroom sinks and shower tub drain.
by HueyLD
Wed Aug 23, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: Can i open multiple treasury direct accounts
Replies: 4
Views: 479

Re: Can i open multiple treasury direct accounts

I understand the $10K / yr per SSN rule for buying I-bonds. but for the sake saving goals purposes, can I open multiple Treasury Direct accounts in my name, and split the $10K among them? From the TD https://www.treasurydirect.gov/indiv/help/TDHelp/faq.htm#TreasuryDirectAccounts What is a TreasuryD...
by HueyLD
Wed Aug 23, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: 3% credit card fee vs wiring from B of A
Replies: 18
Views: 985

Re: 3% credit card fee vs wiring from B of A

sil2017 wrote:
Wed Aug 23, 2017 11:14 am
Ugggh....I have a freeze on all my credit reports . Doesn't the bank have to access the credit report?
Yes, they do.

Call the bank and ask them which credit bureau they use and you only have to unfreeze/refreeze that one.
by HueyLD
Wed Aug 23, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 2847

Re: Would you hire an obese nanny?

I think it may be a good idea to hire another candidate. Too many things can go wrong with a nanny regardless of the weight. After all, it is your children's care and you have the right to hire whomever you are comfortable with. It must be dreadful to be obese and I have to applaud you for being hon...
by HueyLD
Tue Aug 22, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare when not collecting Social Security
Replies: 17
Views: 1381

Re: Paying for Medicare when not collecting Social Security

I was/am in the same situation; on Medicare, but delaying SS. I did nothing to claim any hardship status, and was billed monthly through snail mail. Perhaps the default has changed in the past three years, but I continue to pay by old fashioned check and snail mail. Too lazy to change now. I'll reg...