Search found 5827 matches

by HueyLD
Mon Aug 20, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 73
Views: 3819

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

Yah, I finally received a call back from someone in the billing company after the credit card chargeback but I wasn’t home. The person left a message and it was my turn to not return the call. I have more than a few family members in health care field and I for one have no desire to not pay my bills...
by HueyLD
Mon Aug 20, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 73
Views: 3819

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

My own experience with doctor’s office reimbursement of prepaid amount was dismal. I was told to pay the required copay upfront even though the procedure was preventive and not subject to copay requirement. Well, I did not want to argue with them so I paid what they said to pay. After the insurance ...
by HueyLD
Sun Aug 19, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 73
Views: 3819

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

To the OP, I don't know where you live, but be very careful about switching your PCP. As others have indicated, a good PCP is worth a ton of gold. In addition, there appears to be a shortage of PCPs in many parts of the country and many PCPs do not even accept new patients (including mine). Our heal...
by HueyLD
Sun Aug 19, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 73
Views: 3819

Re: PCP Wants Full Charge Up Front

This is becoming more common. There are too many deadbeats out there who don't pay their bills. An ever increasing bad debt line can really hurt a private practice. I don't have a problem with it. Keep in mind, no one complains when the dentist makes you pay up front (which most have done for ever!...
by HueyLD
Sun Aug 19, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 73
Views: 3819

Re: PCP Wants Full Charge Up Front

We have our health insurance through one of the large national outfits, and our plan specifies a co-pay for office visits at the PCP of $20.00. Recently, the PCP announce that effective at a date shortly in the future, they will require $120.00 up front, which will be reimbursed as warranted, presu...
by HueyLD
Sun Aug 19, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2493

Re: Costco penny install sale & road hazard terms

I intended to buy tires at Costco several weeks ago, but when I went into the store and visited the tire department with a couple of questions there was no one there. I stopped back later and there were about 12 people waiting for assistance and one very busy guy working behind the counter. Judging...
by HueyLD
Sun Aug 19, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 119
Views: 10473

Re: As an American, where are some great places in the world to retire?

YMMV Oakland has the random gun violence issues and urban blight Most cities have violence, and I mentioned crime in my post. As far as urban blight, perhaps you haven't been to Oakland lately and seen the construction and other projects going on. PM me and visit, and I'll show you around. I think ...
by HueyLD
Sun Aug 19, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 119
Views: 10473

Re: As an American, where are some great places in the world to retire?

YMMV Oakland has the random gun violence issues and urban blight Most cities have violence, and I mentioned crime in my post. As far as urban blight, perhaps you haven't been to Oakland lately and seen the construction and other projects going on. PM me and visit, and I'll show you around. I think ...
by HueyLD
Sat Aug 18, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 46
Views: 3809

Re: Credit Card Fraud - $30K

My guess is that it is a good idea to close out rarely used accounts.
by HueyLD
Sat Aug 18, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 57
Views: 5266

Re: Edward Jones rep door knocking

FBN2014,

You can move to a gated community to curtail such visits.
by HueyLD
Sat Aug 18, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Is this a good resource for SS or is there something better
Replies: 9
Views: 869

Re: Is this a good resource for SS or is there something better

Another vote for Mike Piper's book. I have read it a few times and have recommended it to friends and clients.

Alternatively, you can go directly to the source like this one https://www.ssa.gov/OP_Home%2Fhandbook/handbook.html
by HueyLD
Fri Aug 17, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1539

Re: Mail order pharmacy

Before I moved to a warm climate, I used to mail order medicine and vitamins. However, it is no longer a good idea in a warm climate unless I know exactly when the delivery will be made so that I can remove the package from the "boiling" mailbox within a few minutes. Otherwise, be prepared to see th...
by HueyLD
Fri Aug 17, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Selling notes from Treasury Direct account
Replies: 3
Views: 283

Re: Selling notes from Treasury Direct account

Yes, your understanding is correct. That's why TD is not a good place to hold treasury securities.

Good luck finding a place that will do a medallion signature guarantee for you.

P.s. Selling I bonds is not the same as selling treasury securities.
by HueyLD
Thu Aug 16, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited House Sale as Capital Loss
Replies: 27
Views: 1105

Re: Inherited House Sale as Capital Loss

riverguy wrote:
Thu Aug 16, 2018 4:51 pm
How did you inherit a house through a will that didn’t go through probate? A will is not valid unless admitted to probate.
TOD deeds.

https://www.nolo.com/legal-encyclopedia ... er5-1.html
by HueyLD
Thu Aug 16, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1539

Re: Mail order pharmacy

We also don't want our meds sitting in hot trucks or mis-delivered, etc. Objectively, how big a risk is this type of thing? Obviously, It would depend on the drug. The one that I had a problem with states on the package "store between 59F-77F" That temperature range can easily be exceeded on either...
by HueyLD
Thu Aug 16, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6484

Re: Using ACA for early retirement years

"Hope" is not a strategy, but it is necessary for retirement planning. I think it is reasonable to assume that both social security and Medicare will change in the future. However, nobody can tell you exactly when and how much they may change. In my planning for early retirement, I assumed zero soci...
by HueyLD
Thu Aug 16, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Marriage Name Change Logistics
Replies: 14
Views: 1414

Re: Marriage Name Change Logistics

Does one have to go to the court to get her name changed?
by HueyLD
Thu Aug 16, 2018 7:47 am
Forum: Investing - Theory, News & General
Topic: OK, maybe Vanguard's website IS a little old... "56K dial-up..."
Replies: 19
Views: 2187

Re: OK, maybe Vanguard's website IS a little old... "56K dial-up..."

I was on a 56k dial-up connection a few years ago while away from home. The only website I could connect was the BH site. Everything else timed out.

How do people use dial-up to access the vast majority of sites nowadays?
by HueyLD
Wed Aug 15, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Are inherited MF shares considered covered or non-covered?
Replies: 5
Views: 369

Re: Are inherited MF shares considered covered or non-covered?

Your inherited share cost basis was supposed to be adjusted automatically by Vanguard. There is no such a thing as covered vs. noncovered as far as inherited shares are concerned. Vanguard even has a form (https://personal.vanguard.com/pdf/v115.pdf ) to let you request for cost basis adjustment. The...
by HueyLD
Tue Aug 14, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6484

Re: Using ACA for early retirement years

Yes, the info given to you is correct.

Here are the rules directly from the official source https://www.healthcare.gov/unemployed/cobra-coverage/
by HueyLD
Tue Aug 14, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1815

Re: First time ACA coverage with question

Metalworking, If the student insurance is a better value (cheaper and good coverage), by all means do so for your child. But if you prefer to carry her on your current policy, you can definitely do so. You did not mention COBRA coverage from your employer, are you sure you won't be eligible for COBR...
by HueyLD
Tue Aug 14, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6484

Re: Using ACA for early retirement years

In early retirement and moved to a state that was my second choice. Could have moved to the first choice location, but I was unwilling to pay the un-Boglehead VHCOL. Based on what I have read, moving is possible for most except those who are too poor to move. However, money is certainly not the only...
by HueyLD
Tue Aug 14, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 6484

Re: Using ACA for early retirement years

+1 about choosing the right state for your needs.
by HueyLD
Tue Aug 14, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Negative Insurance Discount with United Health Care and Sentara
Replies: 40
Views: 1975

Re: Negative Insurance Discount with United Health Care and Sentara

Let me take a guess.

How many charges are on the EOB? There should be a few lines of charges and the negative discount that appears to apply to one line may actually be the cumulative adjustment for all lines.

Just a guess.
by HueyLD
Mon Aug 13, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Account Unavailable - Anyone Else?
Replies: 4
Views: 746

Re: Vanguard Account Unavailable - Anyone Else?

Vanguard is open until 10 p.m. ET. Give them a call.
by HueyLD
Mon Aug 13, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited Variable Annuity
Replies: 3
Views: 339

Re: Help with Inherited Variable Annuity

Vanguard has a publication titled “what to do when you inherit a Vanguard variable annuity.”

Read the Pub and it should answer your questions.

http://www.vanguard.com/vvap/Pdf/vudc.pdf?2210035747
by HueyLD
Mon Aug 13, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1815

Re: First time ACA coverage with question

Yes. You are a good student.
by HueyLD
Mon Aug 13, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1815

Re: First time ACA coverage with question

Marcopolo,

Did you read the page 17 of form 8962? The example about Gary and his 25 year old nondependent son?

https://www.irs.gov/pub/irs-pdf/i8962.pdf
by HueyLD
Mon Aug 13, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: First time ACA coverage with question
Replies: 21
Views: 1815

Re: First time ACA coverage with question

I assume I have to stay over 138% and less than 400% poverty level for 2 people to avoid medicaid and keep in subsidy territory... If you live in a state that did not expand Medicare, such as Texas where I live, the range is 100% to 400% of the Federal Poverty Level for subsidies. Medicare has noth...
by HueyLD
Mon Aug 13, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct - Timing of purchasing a new bill with funds from a maturing bill
Replies: 11
Views: 547

Re: Treasury Direct - Timing of purchasing a new bill with funds from a maturing bill

It is so nice of you to update us on the outcome. The TD appears to be more efficient than some brokerage houses.

Last time I had a small balance in the C of I account, I transferred it out to my linked bank account immediately.
by HueyLD
Sun Aug 12, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 33
Views: 2283

Re: Plan for Parental Care in my road to financial independence

Please pay attention to Rupert's link and advice. Just like investments, past performance is not indictive of future results. The OP's original idea of hiring his MIL as a domestic helper appears to be a workable strategy provided that he files Schedule H and dots all the i's and crosses all the t's...
by HueyLD
Sun Aug 12, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: reliable online public forum
Replies: 24
Views: 2052

Re: reliable online public forum

The only reliable source is an official source. O.k., even an official source can be incorrect at times, but that's about as reliable as one can hope for. When I taught income tax classes, I told my students to not mention any tax "advice" from popular online sources unless they could also find the ...
by HueyLD
Sun Aug 12, 2018 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7157

Re: Moving from Vanguard to Fidelity

After years of barely adequate (and sometimes poor) customer support performance from Vanguard I'm thinking of making the switch to Fidelity. What kind of customer support are people lacking at Vanguard, especially passive investors who barely need to do anything. I've been with Vanguard for nearly...
by HueyLD
Sat Aug 11, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: stock split: Vanguard balance shows huge decline
Replies: 9
Views: 963

Re: stock split: Vanguard balance shows huge decline

With that kind of wealth, I would like Livesoft to buy lunch for all Bogleheads.
by HueyLD
Fri Aug 10, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 33
Views: 2283

Re: Plan for Parental Care in my road to financial independence

The current version of instructions to I-864 says: "How Long Does My Obligation as a Sponsor Continue? Your obligation to support the immigrants you are sponsoring in this Affidavit of Support will continue until the sponsored immigrant becomes a U.S. citizen, or can be credited with 40 qualifying q...
by HueyLD
Fri Aug 10, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7411

Re: Rude response from boss re: market adjustment

I'd look for a new job. The best way to ask for a raise is to have a better option in hand already. It's the only way to have leverage. The best way is to take the other job. If you blackmail them into giving you a raise it will only last until they're able to find a replacement for you. And then y...
by HueyLD
Thu Aug 09, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: QLAC and RMD
Replies: 7
Views: 445

Re: QLAC and RMD

Not disputing that delaying to age 85 is best, but I think it depends on where one’s marginal income lives within a given tax bracket. Delaying to 85 delays the RMDs for longer, but concentrates the income into fewer total years. This could move some of the income into a higher tax bracket. On the ...
by HueyLD
Thu Aug 09, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Kiddie Tax 2018 - Who must file
Replies: 15
Views: 1328

Re: Kiddie Tax 2018 - Who must file

Unless the law has changed, sometimes one does not have to "file" a child's tax return. Their income can be reported on their parent's return. If this has changed I would like to know as I do tax returns for my children and their children (my grandchildren) have small UTMA accounts. Yes, the comput...
by HueyLD
Thu Aug 09, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: QLAC and RMD
Replies: 7
Views: 445

Re: QLAC and RMD

Ralph, If she wants to delay the RMD on $100k, she needs to purchase a QLAC contract by 12/31/2018 because she will turn 70 1/2 in 2019 and the RMD calculation for year 2019 will be based on her combined IRA balance at 12/31/2018. There are multiple limits and factors to consider. Here are three ver...
by HueyLD
Wed Aug 08, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Employer will not indemnify me cause I am retired
Replies: 56
Views: 5330

Re: Employer will not indemnify me cause I am retired

Steve,

I admire your dedication to lower the cost for teachers retirement programs. And I have read your book and loved it.

However, please do not expose yourself to unnecessary liability unless you are dead broke and thus judgment proof.

Good luck and best wishes.
by HueyLD
Wed Aug 08, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: less suspicious activity- check or ACH transfer
Replies: 10
Views: 1049

Re: less suspicious activity- check or ACH transfer

The info is in the "instructions," not on the form itself.

If the money came from a foreign individual (not trust, corporation, etc.), it should be extremely easy to fill out the form.
by HueyLD
Wed Aug 08, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: less suspicious activity- check or ACH transfer
Replies: 10
Views: 1049

Re: less suspicious activity- check or ACH transfer

I received a wire from my relative for about 150k into my Bank yesterday. With the extra money, I would like to pay off my heloc and auto loan (total of 20k). Today, I ACH 5k (maximum) to my credit union to pay off part of the HELOC. Is it better to just go to my Credit Union and pay off both auto ...
by HueyLD
Tue Aug 07, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: step-up basis after a spouse's passing
Replies: 26
Views: 2460

Re: step-up basis after a spouse's passing

Firechief, I think you might be confused between “community property” and “tenancy in common.” In a common law state, there is no such a designation as community property. However, there is a tenancy in common ownership form where each owner has a separately transferable interest and is subject to p...
by HueyLD
Tue Aug 07, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?
Replies: 16
Views: 1198

Re: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?

403b, Your situation is entirely different from the OP's situation. Yours involves you and the spouse, not you and a non-spouse. The community property law in your home state (Texas?) determines what community properties are. It appears that your joint account is considered a community property and ...
by HueyLD
Tue Aug 07, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2343

Re: New SS cards. Get yours?

I got my new social security card, but I had to go into an SSA office to get it.
by HueyLD
Mon Aug 06, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 deductability of mortgage points
Replies: 2
Views: 462

Re: 2018 deductability of mortgage points

You should use the average loan balance ILO of the beginning balance. This way, you will get more deductions.

See IRS Pub 936 worksheet to figure out the limitations. Substitute $1M with $750k.
by HueyLD
Sun Aug 05, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 12
Views: 5343

Re: Savings Bond Wizard replacement is available

Have any of you just converted from paper? I'm considering it now that I no longer have easy access. If you have do you know if you can just import the Wizard file to do the conversion rather than hand-entering every bond again? The online procedure is still the same. One needs to enter one bond at...
by HueyLD
Sun Aug 05, 2018 10:45 pm
Forum: Investing - Theory, News & General
Topic: Has Vanguard fixed their cost basis issues?
Replies: 4
Views: 603

Re: Has Vanguard fixed their cost basis issues?

I haven't sold anything in a while.

I wonder if it is safe to sell in the near future? Will my favorite mutual fund company screw up my cost basis info?