Search found 6205 matches

by HueyLD
Tue Nov 20, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 18
Views: 675

Re: 12 Month Short-Term Health Insurance

Thank you BruDude for your expert opinion. I am paranoid about the bad old days. A friend of mine lost her job and employer provided insurance due to plant closure and there was no Cobra when the company went out of business. Well, she thought she was healthy and had no need for any good insurance. ...
by HueyLD
Tue Nov 20, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: 12 Month Short-Term Health Insurance
Replies: 18
Views: 675

Re: 12 Month Short-Term Health Insurance

BruDude:

Is it also correct to assume that they can deny you for any pre-existing condition they don't like?

I think it is cheap for a reason. And it seems prudent to read the contract detail and fineprint before pulling the trigger. My suspicion is that the coverage is very limited.
by HueyLD
Mon Nov 19, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 68
Views: 4115

Re: When is Too Long to Return a Hair Dryer to Costco?

I rarely return staff I bought, but there are situations where returning is totally appropriate, even for perishable items. I once bought a jar of soymilk from a new store, but it was bad from the moment I opened the jar even though it was still within the "good till date xx." So, I went thru the tr...
by HueyLD
Sun Nov 18, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Amazon public subsidy
Replies: 4
Views: 669

Re: Amazon public subsidy

Companies play this game repeatedly with state and local governments and the usual scenario is "over promised and under delivered." Just look at the Foxconn deal with Wisconsin.
by HueyLD
Sun Nov 18, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 68
Views: 4115

Re: When is Too Long to Return a Hair Dryer to Costco?

I would never return a four year old hairdryer or a seven year old vacuum cleaner. A T3 hair dryer probably had a 2 year warranty and a Dyson vacuum cleaner might have a 5 year warranty. Why would I expect the retail establishment to refund my money for years past the expectations set by the manufa...
by HueyLD
Sat Nov 17, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 68
Views: 4571

Re: Cremation seminar – A better way.

Bogleheads: I have made arrangements with the University of Miami Medical Department to receive my remains from a funeral home to improve medical science. The U of M reimburses the funeral home and pays for eventual cremation of my remains. My dad showed me the benefits when he died. I appreciate h...
by HueyLD
Sat Nov 17, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Deluxs 2018 doesn't include Schedule D?
Replies: 14
Views: 905

Re: H&R Block Deluxs 2018 doesn't include Schedule D?

I agree with Nisiprius that we will have to be patient this tax season.

The tax code change is HUGE and there will be many glitches until at least April 15. For this reason, I will set up my own calculations and will verify the software calculations with mine.
by HueyLD
Fri Nov 16, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Who pays taxes on interest on EE bonds
Replies: 4
Views: 478

Re: Who pays taxes on interest on EE bonds

There is no IRS pub AFAik that addresses the taxation of a secondary owner. And you do not have a co-owner on e bonds. However, somewhere on the TD site, there are descriptions on the right of a secondary owner. And a secondary owner is basically a beneficiary with some limited rights that can be co...
by HueyLD
Fri Nov 16, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Who pays taxes on interest on EE bonds
Replies: 4
Views: 478

Re: Who pays taxes on interest on EE bonds

When Dad passes I will become sole owner of the bonds. I have three siblings whom I will split evenly with. I am aware that I can then redeem the bonds for cash and have all the accrued interest up to the date of death reported on my Dad's final tax return. It works out better that way tax-wise. Ye...
by HueyLD
Fri Nov 16, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1722

Re: One food I could never give up

Mexican food and Chinese food (two).
by HueyLD
Fri Nov 16, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 68
Views: 4571

Re: Cremation seminar – with complimentary lunch

Neptune Society is being sued by the State of Colorado for using accounting gimmicks to hide their not putting sufficient prepaid money into the trust fund as required by law. This company has bombarded my area with "free" lunch seminars. Their invitation envelopes always came with some sort of scen...
by HueyLD
Fri Nov 16, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Need help with kiddie tax (form 8615) to estimate AGI & Tax
Replies: 3
Views: 273

Re: Need help with kiddie tax (form 8615) to estimate AGI & Tax

Both form 8615 and instructions for year 2018 are available on the IRS website. Here are the links:

https://www.irs.gov/pub/irs-pdf/f8615.pdf

https://www.irs.gov/pub/irs-pdf/i8615.pdf

Happy reading and working thru the worksheets.
by HueyLD
Fri Nov 16, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 68
Views: 4571

Re: Cremation seminar – with complimentary lunch

Where I used to live, a fairly good size funeral home that heavily promoted its "pre-arrangement" program went out of business and lots of people lost their hefty prepaid fees. And there is no way to know the future especially after one is dead.
by HueyLD
Fri Nov 16, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1830

Re: What convenience fees does your city charge for credit card use?

The Arlington County Park system has recently started charging 2.5% for using credit cards to enroll in their gym memberships and fitness programs. These programs are a great bargain and the fee seems negligible. Victoria Yes, fees are not necessarily bad as long as the overall price is a good value.
by HueyLD
Fri Nov 16, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 68
Views: 4571

Re: Cremation seminar – with complimentary lunch

We went to that presentation and enjoyed it. (There are a lot of "hot" jokes that can be thrown in so it was also humorous.) We had been thinking about cremation but not done anything about it and hadn't thought of where to start. Ours was open to anyone. Don't know why this is being restricted to ...
by HueyLD
Thu Nov 15, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: IRS announces 2019 Tax Rates, Standard Deduction, etc.
Replies: 27
Views: 5524

Re: IRS announces 2019 Tax Rates, Standard Deduction, etc.

an_asker wrote:
Thu Nov 15, 2018 4:03 pm
Is the Medical Savings Account the new name for Health Savings Account? [if yes, sorry, I have missed when this change occurred :oops: ]
No, MSA is Sec. 220 and HSA is section 223.
by HueyLD
Thu Nov 15, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA for someone on a non-immigrant visa
Replies: 10
Views: 427

Re: Vanguard Roth IRA for someone on a non-immigrant visa

Redo your application online and select "resident alien" because you are one for tax purpose.

FWIW, too many first line CSRs have no concept of NRAs and they don't know the difference between immigration and tax definitions of RA and NRA.
by HueyLD
Thu Nov 15, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1830

Re: What convenience fees does your city charge for credit card use?

My county charges a 2% fee on credit or debit card payments. In addition, such payments must be made in person at their downtown office. Essentially it is a non-starter.

It also charges a $0.50 fee for online payments by bank account.
by HueyLD
Thu Nov 15, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: in kind transfer from VG taxable account to VG Coverdell?
Replies: 4
Views: 140

Re: in kind transfer from VG taxable account to VG Coverdell?

Contributions to Coverdell or IRAs must be made in CASH unless you transfer balances from like kind, e.g. Coverdell to Coverdell or IRA to IRA.

It ain’t easy to discover a loophole.
by HueyLD
Thu Nov 15, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion, unemployed, on medicaid
Replies: 3
Views: 260

Re: Roth conversion, unemployed, on medicaid

NJ has expanded Medicaid and there is no asset limit.
by HueyLD
Thu Nov 15, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA for someone on a non-immigrant visa
Replies: 10
Views: 427

Re: Vanguard Roth IRA for someone on a non-immigrant visa

Hello folks, I'm on a non immigrant visa (H1) in the US and Vanguard just rejected my application to open an IRA because apparently they don't support non immigrants opening an IRA with them. IRS treats me as a resident for tax purposes and I mentioned this to them and they wouldn't budge. The more...
by HueyLD
Thu Nov 15, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassing simple calculation question
Replies: 16
Views: 1160

Re: Embarrassing simple calculation question

O.k., here is the answer.

The yield shown is the bond equivalent yield calculated as follows:

68.55 x 365 / 54 / 19931.45 = 2.325%

That issue has only 54 days.
by HueyLD
Thu Nov 15, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassing simple calculation question
Replies: 16
Views: 1160

Re: Embarrassing simple calculation question

See my subsequent post a few down.
by HueyLD
Thu Nov 15, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2378

Re: Windows 10 October Update (1809)

This may sound very low tech, but I don’t turn on my Win 10 machine during the week of patch Tuesday.

It is doable because I have iPads to do all the online stuff. :D

Obviously, problems can linger, but at least I try.
by HueyLD
Thu Nov 15, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6615

Re: Wait, do I need a prenup?

Momus said: “Awesome, that's what I have been looking for. I kept asking at least 4 times on different occasion here about CA div/cap gain/rentals on separate property and no one ever answered me. This clears it up. It makes sense the profits remain separate.“ Please keep in mind that my quote of th...
by HueyLD
Wed Nov 14, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6615

Re: Wait, do I need a prenup?

For Cali, here is the law: "CHAPTER 2. Separate Property [770 - 772] ( Chapter 2 enacted by Stats. 1992, Ch. 162, Sec. 10. ) 770. (a) Separate property of a married person includes all of the following: (1) All property owned by the person before marriage. (2) All property acquired by the person aft...
by HueyLD
Wed Nov 14, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Better funds than VTSAX and VEA?
Replies: 13
Views: 816

Re: How to qualify Vanguard institutional shares?

If you don't go thru an institution, you need $5 million.
by HueyLD
Tue Nov 13, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution limits & Medicare
Replies: 11
Views: 902

Re: HSA contribution limits & Medicare

Per https://www.cms.gov/Outreach-and-Education/Find-Your-Provider-Type/Employers-and-Unions/FS3-Enroll-in-Part-A-and-B.pdf "Once you enroll in any part of Medicare, you won’t be able to contribute to your HSA. If you would like to continue making contributions to your HSA, you can delay both Part A ...
by HueyLD
Tue Nov 13, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution limits & Medicare
Replies: 11
Views: 902

Re: HSA contribution limits & Medicare

I will start Medicare toward the end of next year so I will be covered by an HSA compatible plan until then. How do you calculate the contribution limits for the month that I am covered part of the month by the HSA plan and part by Medicare? Do I just count the whole month as ineligible for any con...
by HueyLD
Tue Nov 13, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Social Security Claiming Strategy - Seeking Confirmation
Replies: 30
Views: 3025

Re: Social Security Claiming Strategy - Seeking Confirmation

As an aside, can anyone explain why the opportunity to file a restricted application for spousal was extended to those born on January 1, 1954, as opposed to cutting it off with the end of calendar year 1953? SSA says: "If your birthday is on January 1st, we figure your benefit as if your birthday ...
by HueyLD
Mon Nov 12, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Laptop warranty-Costco’s version?
Replies: 4
Views: 498

Re: Laptop warranty-Costco’s version?

Costco offers 2+2, a total of four-year warranty on laptops if you buy them from Costco and use its Citi Visa card to pay for the purchase.

Are you a Costco member with its Citi card?
by HueyLD
Mon Nov 12, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6156

Re: Do I need more than Original Medicare?

Medicare.gov says: "Non-participating providers haven't signed an agreement to accept assignment for all Medicare-covered services, but they can still choose to accept assignment for individual services. These providers are called "non-participating." Here's what happens if your doctor, provider, or...
by HueyLD
Mon Nov 12, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6156

Re: Do I need more than Original Medicare?

I am confused Kevin.

If all payments are the same, why did they bother with any network?
by HueyLD
Mon Nov 12, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Windows 10 October Update (1809)
Replies: 32
Views: 2378

Re: Windows 10 October Update (1809)

November update is just around the corner.

I have been on ver 1803 since it came out and the auto update has not forced 1809 on my PC yet. Will see.
by HueyLD
Mon Nov 12, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3137

Re: Can you suggest where to live if work at UCLA

One person I know lives near a Metro stop and takes his bike with him. There is a cart designated for those with bikes. Once he gets off the destination stop, he then bikes to work. He doesn’t have problems biking. Of course he is also young and fit and trim. P.s. I have walked on many sidewalks in ...
by HueyLD
Mon Nov 12, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3137

Re: Can you suggest where to live if work at UCLA

Considering the world famous traffic issues in the LA Metro, I think you want to consider the traffic flow carefully. Yes, there are rush hour traffic patterns and there are ongoing traffic issues. If your work hours are conventional ones, say 8-5, you definitely want to avoid driving in the rush ho...
by HueyLD
Sun Nov 11, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6156

Re: Do I need more than Original Medicare?

When I am old enough to join the Medicare club, I will go with traditional plus supplement. No way that I want to go with MA because MA providers in my area really suck. Recently, a major MA provider could not come up with an agreement with the largest hospital in town and that caused tremendous har...
by HueyLD
Sun Nov 11, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage with or without spouse?
Replies: 26
Views: 1973

Re: Mortgage with or without spouse?

Not in Texas, but a widow client was demanded to pay her late husband's credit card debt even though the credit card was in his name only. They lived in a community property state.
by HueyLD
Sun Nov 11, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Snowbirding in HI [Residency requirements for tax purposes]
Replies: 28
Views: 2793

Re: Snowbirding in HI

+1 for Silk McCue.
by HueyLD
Sun Nov 11, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)
Replies: 18
Views: 1628

Re: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)

How can I determine definitively whether my state's conventional (not enhanced) driver's license is Real ID-compliant for domestic flights? The standard method is for the drivers' license to have a gold star on it. See for example South Carolina , which rolled them out just last March. I received a...
by HueyLD
Sun Nov 11, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)
Replies: 18
Views: 1628

Re: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)

I think there will be a surge for passport applications before the Real ID becomes federally mandatory in October 2020. I have no idea why states are not required to comply with this federal requirement. Hopefully there will be massive media blitz for the Real ID before October 2020. Otherwise, ther...
by HueyLD
Sun Nov 11, 2018 5:55 am
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 30
Views: 2493

Re: Increasing SS PIA by working again

When is the PIA adjusted from working? Once a year when W2 records are available I assume, but what month? And if you've applied to start a certain month before they have records for the current year do they recalculate when the payments actually start (numbers on benefits letter do not include cur...
by HueyLD
Sat Nov 10, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3549

Re: International Travel during Maternity/Paternity

I was stuck in a full trains-pacific flight of 15 hours with a crying baby right behind my seat. Between crying, yelling, pounding on my seat, etc., it was the most miserable flight experience I ever had.

Please don't do that to other passengers. Mercy!
by HueyLD
Sat Nov 10, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3251

Re: USPS - Informed delivery - complain on missing items?

Thanks Victoria for your expert opinion.
by HueyLD
Sat Nov 10, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: State Income Tax Question on IRA Distributions
Replies: 5
Views: 385

Re: State Income Tax Question on IRA Distributions

Now that you indicated the total IRA value, it appears that you want to convert as much as possible in TX provided that the incremental income won't push you into mich higher federal tax bracket. With new tax law and all kinds of phase in and phase out traps, I suggest that you buy a copy of 2018 ta...
by HueyLD
Sat Nov 10, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: State Income Tax Question on IRA Distributions
Replies: 5
Views: 385

Re: State Income Tax Question on IRA Distributions

If you received a traditional IRA distribution after 59 1/2 years old, the first $6,000 is exempt from AR income tax. Premature distributions made on account of the participant’s death or disability also qualify for the exemption. All other premature distributions or early withdraw­als including, bu...
by HueyLD
Sat Nov 10, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 37
Views: 3799

Re: TurboTax on TaxMarkDown.com

From Intuit.com: “I purchased a copy of Turbotax from a questionable source. How can I tell if it is legitimate before using it? Is there a checksum I can use to validate it? Click on in the top black border, "online" and then in the drop-down, click on "Check for Updates" If this works you are good...
by HueyLD
Sat Nov 10, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 37
Views: 3799

Re: TurboTax on TaxMarkDown.com

Vanguard discontinued that offer a few years ago. Fido offered that last year for customers of their choosing. The criteria for getting free TT were never published. However, if you have at least 7 figure investments with Fido and have generated enough revenues for them, you may have received the of...
by HueyLD
Sat Nov 10, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage with or without spouse?
Replies: 26
Views: 1973

Re: Mortgage with or without spouse?

You really need to talk to a mortgage banker in your state of TX. As you know, TX is a community property state and has some unique rules that don't apply to those who live outside of TX. And the family home looks to be a community property and I think the banker will want both spouses' income and c...