Bogleheads.org

HueyLD

Yes and yes to both questions.

HueyLD

Can I buy I-bonds within a revocable living trust? If so, do I need tax I’d separate from my SS number? Hints on how to get the tax I’d would be great. Yes, you can buy I bonds within your RLT. The TIN for your RLT can be your own SSN. You can also transfer bonds you currently own in your name to t...

HueyLD

I also know a lot of Asians and to my knowledge no one (NONE, NADA) sleeps on the floor.

I think some people watched too many old Hollywood movies.

HueyLD

I just want to remind everyone that just because something is on "sale" doesn't mean you are obligated to buy if you never needed it in the first place. Carry on. My wife says this doesn’t apply to shoes. Yah she is right of course. The "need" rule also does not apply to clothing, jewelry, phones, ...

HueyLD

I once traveled to another country with my passport expiring within six months. It was an oversight on my part because I was definitely aware of the conventional six-month rule. Well, it was my lucky day because the custom and immigration official pointed out the expiration date and advised me to ge...

HueyLD

My Amazon app has not worked.

It says: “Sorry something went wrong. We are working on fixing it ( CS 11).”

Well, no business from me.

HueyLD

rgs92 wrote: ↑
Mon Jul 16, 2018 10:54 am
So in Arizona there are scorpions inside the house? That would scare me from living there or even visiting.

Yes, some people do have scorpions in the house, just like people with rats in NYC.

But very few do. Relax.

HueyLD

For heaven's sake, you spend at least one third of your life in bed and a good raised bed with solid support is among the best investments to improve your quality of life.

Please treat your body well.

HueyLD

I have Chase and US Bank 0% APR offers on my credit cards. My Chase statements clearly state the exact date my offer expires as follows: 08/02/2018; however, my US Bank statements state unexactly like this: Expires with Statement 07/2018. So my question is does this mean 0% APR expires on the last ...

HueyLD

The social security expert who used to post on this forum wrote: “When you are two things at the same time, you are dual. If you are entitled to (as in meet the requirements for) two benefits, you are dual entitled. There are different formulas that are used for different combinations of dual entitl...

HueyLD

SSA says: If you qualify and apply for your own retirement benefits and for benefits as a spouse, we always pay your own benefits first. If your benefits as a spouse are higher than your own retirement benefits, you will get a combination of benefits equaling the higher spouse benefit. https://www.s...

HueyLD

No, it is not automatic.

HueyLD

The OP’s parents in law can qualify for the ACA premium tax credit (PTC) if they are not eligible for Medicaid in the first five years. They have to meet other requirements for the PTC. “Lawfully present immigrants and Marketplace savings If you’re a lawfully present immigrant, you can buy private h...

HueyLD

Buying individual bonds is difficult as an individual investor because the dealer always has the upper hand. If you buy only new issues, you pay the same price as the big boys. If you buy from existing bonds, you will be paying for the spread that can sometimes be very large. And buying individual b...

HueyLD

I used to work with a group of women whose mission is life was to "marry well" so that they could quit their jobs by age 30.

It was an eye opening experience because the vast majority of them graduated from very good colleges with high GPAs.

HueyLD

Second the suggestion to read the other threads and maybe come back with more specific questions. Vacation and retirement are not the same thing. I would suggest waiting until you are ready to retire, choose a place based on criteria that make sense at the time and then rent for a year or two once ...

HueyLD

I know a family of four living in a one bedroom condo in the area.

But they are not moving anywhere.

HueyLD

Just as a follow up, I calculated using Notice 1036 ( https://www.irs.gov/pub/irs-pdf/n1036.pdf ) and, if I want to have NO income tax withheld from my paychecks going forward, I have to claim >50 allowances on my W-4. My question: if I claim >50 allowances on my W-4, will this, in itself, cause an...

HueyLD

One of our children is friends with a 23 year old male who is legally in the US under a work permit and seeking political asylum. He is self supporting (construction, etc) and just got his social security card. He told us last night at our 4th of July get together that he now needs to get health in...

HueyLD

"Do I have to pay IRMAA while I am appealing? Yes. If you file an appeal of an income-related- monthly adjustment amount (IRMAA) determination, you will continue to be billed for your Part B and Part D IRMAA until they make a decision on your appeal. If they change their decision about your IRMAA, y...

HueyLD

With that amount of gain, it is probable that the OP’s parents may be in a community property state.

If their family home was held properly (such as community property WROS), the entire property would have been stepped up to the FMV upon his father’s death.

I think the OP may need to consult a CPA.

HueyLD

https://investors.att.com/~/media/Files/A/ATT-IR/documents/stockholder-services/time-warner/TWX%20Shareholder%20Letter%20Book.pdf “How do I determine the amount of any taxable gain on this transaction as well as the tax basis in my newly acquired AT&T shares? Your gain from this transaction (if any)...

HueyLD

My goal has always been a balance due of $999.99.

However, it is very difficult to hit that exact number.

HueyLD

So amazing, Jazzy.

When I grow up, I want to be just like you.

HueyLD

The IRS says: "Capitalized Interest: This is unpaid interest on a student loan that is added by the lender to the outstanding principal balance of the loan. Capitalized interest is treated as interest for tax purposes and is deductible as payments of principal are made on the loan . No deduction for...

HueyLD

The amount your spouse is receiving on SS disability is probably lower than her primary insurance amount, the amount she'd get at full retirement age. That is the number of which you'd get half. No, your spousal benefit will be based on spouse's PIA. § 404.317. How is the amount of my disability be...

HueyLD

If i have just $1800/month cause i took it at 62, I also have $172,800 ($1800x12 months x 8 years) i invested in a 60% portfolio at 62 cause I didn't "buy" the SS deferral. Let's say I only made 5% on the 172,800 from age 62 to 70. That's $257,573 at year 70 in an investment account plus the 1800/m...

HueyLD

The OP has vanished from this thread. I think he may have been teasing us.

HueyLD

VA_Gent wrote: ↑
Tue Jul 03, 2018 12:41 pm
PenFed says:

Opening a Certificate?
During the Certificate application
you can transfer up to $999,999.99. Apply Now

Yah, 999,999.99 is almost the same as no limit.

HueyLD

I have a large CD matured at Navy Federal Credit Union and I want to move the funds to Pentagon Federal Credit Union, which currently has better CD rates. When I log in to my NavyFed account, it allows me to transfer (to push to PenFed) no more than $5k/day. What are my options to for transferring ...

HueyLD

See this Fido fee page. It tells you everything you need to know. Make sure you read the footnotes. https://www.fidelity.com/why-fidelity/pricing-fees Upon a second look, I think you may be asking about Fidelity Separately Managed Accounts fees. Here is the link https://www.fidelity.com/managed-acco...

HueyLD

I don’t see any reason to file a w-9 either.

For income tax purposes, a green card holder is treated just like a citizen.

HueyLD

If you are a teacher, you do not want to practice your craft in AZ because AZ teachers' pay is at or near the bottom. In addition, retirement benefits are also very poor.

However, a retired teacher with a good pension can move to AZ and live a comfortable life.

HueyLD

I think tracfone has technical support folks who can probably answer your question?

HueyLD

(1). Partial withdrawals are taxed on LIFO basis. In other words, all earnings will come out first.

(2). If he cashes out the entire contract, the difference between the value and the premiums paid will be fully taxable. So, $14,216.54 will be taxable as ordinary income.

HueyLD

Is there a massive difference on your investments gains and investment income if you live in some of the more expensive states like California, New York and New Jersey? How do Californian residents try to not lose a significant amount of money to taxation? I live in Ohio but want to move to Califor...

HueyLD

Dear all, I am a foreign graduate student (social science) who is hoping to start accumulating some personal assets to better position myself for the unpredictable academic job market and life. While I enjoy being a researcher, I also want to be more financially sound even if tenure is not possible...

HueyLD

I also dislike hidden fees. It is probably the worst in Las Vegas. A hotel may advertise a daily room rate of $99. But one can be expected to pay an additional $40/day for "resort fees" and "$10/ day for parking. Add taxes to the mix and $99 becomes $165. I prefer that they quote a price that includ...

HueyLD

Use a VPN.

HueyLD

The OP's issue with his in-laws can be easily handled by taking only the parents to dinner.

You can't change others. So adapt a strategy accordingly.

HueyLD

It is best to consult a lawyer if you are concerned about potential liability from your future spouse.

Here is a summary of AZ Revised Statutes on Marital and Domestic Relations.
https://www.azleg.gov/arsDetail/?title=25

HueyLD

Remember, AZ is a community property state and a pre-nup does not protect you from community assets and liabilities.

This is what you pay an attorney for.

HueyLD

Edmonds, You live in a community property state and its law on property ownership is very different from that of a common law state. There are also differences among community property states. The first issue you need to understand is the definition of community property vs. separate property in you...

HueyLD

I am a student of SS filing and the amount of total benefit can't exceed the spousal benefit(if the spousal benefit is the highest of the two). The chance to claim the spousal benefit and then let yours grow was eliminated for anyone born after Jan 1954. My opinion is that in this case of yours, th...

HueyLD

Happy 59th birthday, Mel.

HueyLD

Instead of a torch to heat the plastic, I just boiled a pot of water then took the pot of water outside and soaked the hose ends for a minute to soften up the plastic before pushing on to a barbed coupler. +1 with a pot or several pots of boiling H2O. It is a lot safer than open flame. It will requ...

HueyLD

Thank you to everyone who responded. Her first husband was a short marriage and he went on to re-marry another 5 times- so it wouldn’t apply to him anyways. I think I will sit and look into this more for him and see if we can get the survivor benefit for him at 60 so we can delay his own until a mo...

HueyLD

Direct advice from the IRS: "Do respond to a disputed notice. If a taxpayer does not agree with the IRS, they should mail a letter explaining why they dispute the notice. They should mail it to the address on the contact stub at the bottom of the notice. The taxpayer should include information and d...

HueyLD

Costco Tire Center's tasks are extremely limited. In my area, they install new tires, perform rotation, balancing and puncture repairs. That's about it. They don't do alignments that are critical to keep the tires wear even. In my area with subpar road condition, annual alignment is a must and many ...

HueyLD

Interesting. I don't have that problem with my 5th Gen. iPad.

The latest iOS version is 11.4.

Search found 5743 matches