Search found 5611 matches

by HueyLD
Wed Apr 25, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 80
Views: 18378

Re: Treasury Direct is a waste of time

I wanted to post my recent experience converting paper I bonds to electronic. We have had no issues with Treasury Direct, but I've only used them for I bonds. Efiled and ordered I bonds on Paper I-Bonds from tax refund on 3/5/18 The I bonds arrived in the mail on 3/26/18 Mailed the I Bonds and mani...
by HueyLD
Wed Apr 25, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Payment for Medical Device
Replies: 9
Views: 384

Re: Payment for Medical Device

When you pay by check, you give them your bank information.

I think paying with a prepaid debit card may be a good compromise.
by HueyLD
Tue Apr 24, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign home sale
Replies: 6
Views: 467

Re: Foreign home sale

Re: reporting requirements FinCEN Form 114 (FBAR): US Citizens and resident aliens who have a financial interest or signatory authority over foreign accounts with an aggregate value of more than $10,000 at any time during the calendar year must report all foreign bank and financial accounts with the...
by HueyLD
Tue Apr 24, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign home sale
Replies: 6
Views: 467

Re: Foreign home sale

As a green card holder, you are already subject to the same tax law as any U.S. citizen. I don’t see any problem moving money to the U.S. provided that you intend to stay here permanently.

And I am sure that you are familiar with reporting requirements for holding financial assets overseas.
by HueyLD
Tue Apr 24, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Retiring soon - health insurance planning Cal-COBRA
Replies: 19
Views: 1962

Re: Retiring soon - health insurance planning Cal-COBRA

We are going to be on COBRA for 10 more months. I wonder if we will be able to get Cal-COBRA once the COBRA benefits are exhausted since the former employer (a large company) was self-insured/self-funded? “Cal-COBRA covers indemnity policies, PPOs and HMOs, but not self-insured plans.” https://www....
by HueyLD
Mon Apr 23, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 44
Views: 1809

Re: Emailed Vanguard Survey from "GfK". Possible spam or phishing?

How about giving Vanguard a call to clear the air?

A few years ago I received a similar survey request and received $50 Amazon gift card after finishing the survey.
by HueyLD
Sun Apr 22, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 30
Views: 1748

Re: Traveling to Asia-need advice

My son is 21 and graduating in May from college. He's planning on traveling to China, Japan, Taiwan and maybe South Korea. He's planning to travel solo with a backpack and I assume hoping to stay at hostels. Does anybody have any advice or tips for such an adventure? How good is his Chinese and Jap...
by HueyLD
Sat Apr 21, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Refund on Extended Service Contract?
Replies: 8
Views: 503

Re: Refund on Extended Service Contract?

I haven't been able to find anything specific to the extended service contract in the paperwork from the dealership, and I've looked on the Ford website to no avail. Guess I'll take a drive to the dealer. Thanks for all the responses. The section called cancellation or termination may be in the bac...
by HueyLD
Fri Apr 20, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 137
Views: 8086

Re: I’m still not a fan of international bond funds

I would consider moving my Vanguard investments to a Target Date or LifeStrategy fund if there were the option to do so without international bonds. Even more so for “advice upon death.” I think Vanguard has decided to live or die upon this particular sword. Yes, Vanguard is definitely pushing hard...
by HueyLD
Fri Apr 20, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Republic Wireless
Replies: 69
Views: 18720

Re: Republic Wireless

JLawrence,

Do the static and drop call problems only occur in SoAZ or do you also have such problems in other parts of the country?
by HueyLD
Fri Apr 20, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Plan Successor Upon Owner Death
Replies: 2
Views: 264

Re: 529 Plan Successor Upon Owner Death

Yes, the successor owner (a/k/a the contingent owner) will become the owner and will have every right to the account and he may wish to buy a condo in Maui ILO providing for your child's education.

It is similar to the POD arrangement. Proceed carefully.
by HueyLD
Fri Apr 20, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Refund on Extended Service Contract?
Replies: 8
Views: 503

Re: Refund on Extended Service Contract?

As an example, the extended service contract for my Toyota has a 30-day window for a full refund provided that you have not used the contract benefits. After 30 days, you receive a pro rata refund minus certain fees and the exact detail is state dependent.

Do your best and good luck to your quest.
by HueyLD
Fri Apr 20, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 44
Views: 5360

Re: Anyone invest in I Bonds and why?

I invest in them because they are the lowest-risk investment I know. Unlike bank accounts, they are protected against inflation. An absolutely key feature, which many people do not understand, is that although they are called "bonds," unlike normal marketable bonds they are free from interest rate ...
by HueyLD
Fri Apr 20, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Refund on Extended Service Contract?
Replies: 8
Views: 503

Re: REFUND ON EXTENDED SERVICE CONTRACT?

When did you sign the contract? Go read the paperwork you received. Somewhere in the paperwork you should find the grace period for a refund. P.s. The window for full refund can be short, so you need to jump on the refund wagon as soon as humanly possible. P.p.s The dealership has no incentive to te...
by HueyLD
Fri Apr 20, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Credit Rating of Ally Bank?
Replies: 6
Views: 886

Re: Credit Rating of Ally Bank?

I found the CDIC insurance website http://www.cdic.ca/en/about-di/how-it-w ... fault.aspx

There is a new pending legislation on CDIC insurance, but it is still pending.

Otherwise, it looks like 100k per account with additional coverage for RRSP, RRIF and trust accounts.
by HueyLD
Fri Apr 20, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Credit Rating of Ally Bank?
Replies: 6
Views: 886

Re: Credit Rating of Ally Bank?

Yes the holding company can access the bank's capital via dividends. However, the bank itself is under banking regulations and there are specific rules regarding dividend payout and capitalization requirement based on asset quality, profitability and required regulatory capital levels. I am not conc...
by HueyLD
Fri Apr 20, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?
Replies: 12
Views: 1176

Re: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?

According to this form, they can hold your mail for a minimum of 3, but not for more than 30 days. https://about.usps.com/forms/ps8076.pdf P.s. If you manage to talk to the person who actually delivers mails in your neighborhood, (s)he may agree to hold it for one day as a favor to you. Be nice and ...
by HueyLD
Fri Apr 20, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: Credit Rating of Ally Bank?
Replies: 6
Views: 886

Re: Credit Rating of Ally Bank?

VT, The rating you stated is for Ally Financial, Inc., the holding company of the Ally bank which is a FDIC insured commercial bank supervised by the Federal Reserve. The bank itself is rated 4-star (out of 5) by a reputable bank rating source of Bauer Financial. A 4-Star rating is an “Excellent” ra...
by HueyLD
Wed Apr 18, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity account customization.
Replies: 2
Views: 445

Re: Fidelity account customization.

You need to create new groups to allow for subtotaling by owner. For example, create a new group named "The King," a second group named "The Queen," a third group named "The Prince," and a fourth group named "The Princess." And then assign your accounts to The King group, your wife's accounts to The...
by HueyLD
Wed Apr 18, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: ibonds purchased under business/entity
Replies: 5
Views: 474

Re: ibonds purchased under business/entity

Sorry the transfer will count toward the purchase limit of the receiver. The TD says: "If I transfer savings bonds to another TreasuryDirect customer, how does it affect the recipient's purchase limitation? If you transfer savings bonds to another customer, the amount of the transfer is applied towa...
by HueyLD
Wed Apr 18, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 103
Views: 17883

Re: Ally Bank No penalty CD for parking cash, is there a catch?

Your choices for interest disbursement are:

(1) credit back to CD (paid at maturity);

(2) monthly payments; or

(3) quarterly payments.

There is not an option for payable at year end for no penalty CDs. To get the year end disbursement, you have to open a CD that is not a NP CD.
by HueyLD
Wed Apr 18, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: ibonds purchased under business/entity
Replies: 5
Views: 474

Re: ibonds purchased under business/entity

Based on the verbiage in form 5511, you likely will have to pay all accrued interest up to the date of transfer if you transfer a LLC account to your own personal account. If you still want to use the LLC to expand your I bond purchase limit, you may want to avoid such a transfer unless you just wan...
by HueyLD
Wed Apr 18, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: ibonds purchased under business/entity
Replies: 5
Views: 474

Re: ibonds purchased under business/entity

If your LLC is a single member entity, it is considered a disregarded entity for income tax purpose and you should report the interest income on your own tax return as a schedule B entry. However, the TD requires you to register such an account under your LLC's EIN, and you very likely will incur ta...
by HueyLD
Wed Apr 18, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9378

Re: Got hit with a $2800 Medical bill. Can I negotiate?

When I wan in my 20's, I hated paying for insurance. I never used it and I was as healthy as it got. However, I was involved in an automobile accident (not my fault). And that's when all the fun started. Fortunately, I still had my insurance and it was not a HDHP. So, my out of pocket was minimal re...
by HueyLD
Tue Apr 17, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3045

Re: Medicare Questions

The is a possibility that the anesthesiologist does not accept Medicare assignment.

I think you may have some right under Medicare even if the provider does not accept Medicare.
by HueyLD
Mon Apr 16, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign national - Trouble opening Ally account - Help !
Replies: 6
Views: 392

Re: Foreign national - Trouble opening Ally account - Help !

I'm a foreign national ( i.e. non- US citizen ). I'm a US resident alien (for tax purposes ). I was trying to open online checking account with Ally. Everything went fine, till I reach step -4 of "Request for Taxpayer Identification Number and Certification". They want me to certify that : 1. The n...
by HueyLD
Mon Apr 16, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3967

Re: Costco Free Screenings

Have been a Costco member for many years, but never saw any free screening in the warehouse.

It could be a regional thing?
by HueyLD
Mon Apr 16, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: San Diego Safari Zoo
Replies: 13
Views: 941

Re: San Diego Safari Zoo

When are you going to the S.D. Zoo Safari Park (formerly known as the Wild Animal Park)? It is in the Inland region in the town of Escondido and it could get very HOT in the summer. Try to go there outside of the June - August period. The sun will be very intense, so bring your suntan lotion. If you...
by HueyLD
Mon Apr 16, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-INT Bond Premium Amount for Tax Deduction
Replies: 5
Views: 266

Re: 1099-INT Bond Premium Amount for Tax Deduction

Thank you, yes of course an adjustment that reduces the interest total. If I see the ABP adjustment on 1099 INT would you assume it is the correct amortized amount for the year, 2015 and later? The 1099-INT is for one year only. I assume yours says year 2017. Do keep in mind that some brokerage (su...
by HueyLD
Mon Apr 16, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-INT Bond Premium Amount for Tax Deduction
Replies: 5
Views: 266

Re: 1099-INT Bond Premium Amount for Tax Deduction

It is not a deduction. Rather, it reduces the reported interest income on 1099-INT.
by HueyLD
Sun Apr 15, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Dealing with poorly assigned hotel rooms?
Replies: 41
Views: 3128

Re: Dealing with poorly assigned hotel rooms?

A while back, I had noise problems with the folks staying in the room above mine and I called the front desk. Well, they attempted to ask the guests to quiet down, but it didn't last long. So, I plugged my ears and slept for the night because I was very tired. However, I asked to speak to the manage...
by HueyLD
Sat Apr 14, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Question on treasury bond maturity date
Replies: 4
Views: 178

Re: Question on treasury bond maturity date

There is a difference between maturity and sale. If you redeem at maturity, there is no T + 2 involved. The maturity proceed plus accrued interest should be credited to your account at the close of business on the maturity date. I am almost certain that a good form like Schwab follows that practice....
by HueyLD
Sat Apr 14, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Question on treasury bond maturity date
Replies: 4
Views: 178

Re: Question on treasury bond maturity date

I think it depends on the brokerage.

Fidelity: yes. I am not sure about anyone else.

Give your brokerage a call.
by HueyLD
Sat Apr 14, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Form 1116 3b
Replies: 9
Views: 412

Re: Form 1116 3b

That’s where TT is ahead of the rest.

And of course I have absolutely no affiliation with the Intuit.
by HueyLD
Sat Apr 14, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Form 1116 3b
Replies: 9
Views: 412

Re: Form 1116 3b

Form 1116 Foreign tax credit: Box 3 b Other deductions. Interestingly, on the form it requires '(attach statement)' The instruction booklet does NOT explain what kinds of statement does it expect? I'm using TurboTax which also requires me to enter an 'Explanation Statement, and I guess this refers ...
by HueyLD
Fri Apr 13, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6167

Re: vanguard notice - retiring our old investment platform

stan1 wrote:
Fri Apr 13, 2018 4:54 pm
HueyLD wrote:
Fri Apr 13, 2018 3:08 pm
I told my rep that I would be the last client to convert and she chuckled.
Everyone has a price .... $100? $1000? Maybe this is where it is headed.
No, I am priceless.
by HueyLD
Fri Apr 13, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Account benificiary vs will beneficiary....
Replies: 18
Views: 1218

Re: Account benificiary vs will beneficiary....

As to real estate and vehicles, many states allow TOD deed/title. You will need to check the FL state law for such items.
by HueyLD
Fri Apr 13, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 6167

Re: vanguard notice - retiring our old investment platform

I told my rep that I would be the last client to convert and she chuckled.
by HueyLD
Fri Apr 13, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 3496

Re: Unaffordable prescription drug

Canadian pharmacies?
by HueyLD
Fri Apr 13, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Introduction to Treasury Inflation Protected Securities (TIPS)
Replies: 53
Views: 4668

Re: Introduction to Treasury Inflation Protected Securities (TIPS)

If I didn’t have the G fund, I would have TIPS matched out to years, as an LMP. IF (as is frequently threatened, but so far hasn’t happened), the G fund is gutted and loses its unique structure, I will probably move the $$$ out of my TSP and put it into into TIPS. If Ed McMahon (oh wait, he’s dead)...
by HueyLD
Fri Apr 13, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Investor to admiral shares conversion question
Replies: 11
Views: 766

Re: Investor to admiral shares conversion question

My partners brokerage currently has Vang. Intermed. Muni fund investor shares. Yesterday, I invested enough to have over 50k in the fund and am eligible for admiral shares. Can I do the conversion myself online (investor—>admiral vwiux) or should I call? Is this a taxable event if I do it myself on...
by HueyLD
Fri Apr 13, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Foreign source of income with Fidelity funds
Replies: 5
Views: 291

Re: Foreign source of income with Fidelity funds

I held a few fidelity funds invested in international stock markets as well as similar Vanguard international funds. TurboTax requested me to fill in portion of fund income from foreign companies to be able to claim tax paid to foreign countries. Vanguard provided a form for me, but Fidelity doesn'...
by HueyLD
Thu Apr 12, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign source of income with Fidelity funds
Replies: 5
Views: 291

Re: Foreign source of income with Fidelity funds

I held a few fidelity funds invested in international stock markets as well as similar Vanguard international funds. TurboTax requested me to fill in portion of fund income from foreign companies to be able to claim tax paid to foreign countries. Vanguard provided a form for me, but Fidelity doesn'...
by HueyLD
Wed Apr 11, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Self employed lost income car insurance settlement taxable?
Replies: 4
Views: 185

Re: Self employed lost income car insurance settlement taxable?

I am not sure. You may need to ask the insurance company.
by HueyLD
Wed Apr 11, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Self employed lost income car insurance settlement taxable?
Replies: 4
Views: 185

Re: Self employed lost income car insurance settlement taxable?

The IRS says: Lost wages or lost profits • If you receive a settlement in an employment-related lawsuit; for example, for unlawful discrimination or involuntary termination, the portion of the proceeds that is for lost wages (i.e., severance pay, back pay, front pay) is taxable wages and subject to ...
by HueyLD
Wed Apr 11, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: Hopefully Simple Form 1116 question
Replies: 4
Views: 261

Re: Hopefully Simple Form 1116 question

There is no such a thing as a simple question for form 1116. Here is the info from the Windows version: Form 1116 (COPY 1) : Line 3ea Calculated Gross income from all sources: This is total income before deductions and is the sum of: Form 1040, line 7 plus Form 1040, line 8a plus Form 1040, line 9a ...
by HueyLD
Mon Apr 09, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3648

Re: Active Adult Retirement Communities

My parents have lived in Sun City Grand for about 15 years and I have visited many times. It is top notch and they are very happy there. If you understand the culture and community and want that lifestyle it is great. You have have to like the life style though. My wife doesn’t like it all. It kind...
by HueyLD
Mon Apr 09, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1686

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

In my parents' days, a refrigerator could last 30 years. However, they have not been made as sturdy ever since the go-go 70's. And with electronic components in most refrigerators nowadays, they may only last up to 10 years. The OP said that they bought the cheapest frig they could find when they bo...
by HueyLD
Sat Apr 07, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: WSJ article on Vanguard snafoos - Should Bogleheads.org get involved?
Replies: 23
Views: 3083

Re: WSJ article on Vanguard snafoos - Should Boglehead.org get involved?

I am at the point where I think Vanguard would prefer all their retail customers transfer accounts to a full service broker while continuing to invest using Vanguard ETFs. Perception and reality of low quality customer service may be a deliberate decision to help encourage that migration. Retail in...
by HueyLD
Sat Apr 07, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5183

Re: [When is going out to a restaurant worth it to you?]

I go to restaurants because I want to have certain dishes that I have no idea how to make.

I also like to go for stuff that may take a lot of time to prepare.

And it is nice to try something new.