Search found 5922 matches

by HueyLD
Thu Sep 20, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity brokerage account - question about automatic investment
Replies: 12
Views: 677

Re: Fidelity brokerage account - question about automatic investment

Fido has a form for you to fill out for AIP. On that form, it clearly shows that you can invest directly into a mutual fund with money coming from an external source. Here is the link to the form https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/automatic-investments.pdf If their pr...
by HueyLD
Thu Sep 20, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: MySocialSecurity and credit freeze block annoyance
Replies: 5
Views: 487

Re: MySocialSecurity and credit freeze block annoyance

I guess you missed the thread. Starting tomorrow, Sep. 21, 2018, all credit freeze and lifting will be free due to a new federal law.
by HueyLD
Thu Sep 20, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 53
Views: 4408

Re: Don't trust Tripadvisor reviews

I used to write online reviews, but I quit doing it after an episode with Amazon’s censor team. I bought a power pack for a notebook and the seller claimed that his power packs were 100% identical to the OEM. Well, not quite. The original was eight-foot long and the new one was six-foot long. And th...
by HueyLD
Wed Sep 19, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Medicare - Extrahelp question
Replies: 4
Views: 426

Re: Medicare - Extrahelp question

"Extra Help" is for prescriptions only. The Extra Help program offers the following benefits: Pays for your Part D premium up to a state-specific benchmark amount Lowers the cost of your prescription drugs Gives you a monthly Special Enrollment Period (SEP) to enroll in a Part D plan or to switch be...
by HueyLD
Wed Sep 19, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17371

Re: Vanguard - You'll need to sign up for security codes soon

Costa Rica and Panama.

Again, I was staying in very nice resorts and could access the web just fine. But Google was the surprise offender.
by HueyLD
Wed Sep 19, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17371

Re: Vanguard - You'll need to sign up for security codes soon

If you are overseas, you can opt out of this code stuff.. I just did last week. But, I can not change address online or edit banking info online, must call in to do those 2 things, but everything else is good to go, I just log in like before, username and password. If I ever get a stateside number ...
by HueyLD
Wed Sep 19, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17371

Re: Vanguard - You'll need to sign up for security codes soon

Yes, but I could not access gmail or g voice while my access point was in another country. Is this true? I have accessed gmail from various other countries...Canada, Mexico, Dominican Republic, Jamaica. Never had a problem. Yes, it is true. And I didn't do anything crazy or out of the ordinary. I n...
by HueyLD
Wed Sep 19, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17371

Re: Vanguard - You'll need to sign up for security codes soon

I think there’s a landline option (voice). I honestly think people are making too much of this. If this was the biggest problem I was facing today, I’d be having a great day. In the time it’s taken to populate this thread, I’d have gotten a google voice number and be receiving codes by email as I w...
by HueyLD
Wed Sep 19, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17371

Re: Vanguard - You'll need to sign up for security codes soon

Sure, 3-20, you are entitled to your opinion and I am entitled to mine.
by HueyLD
Wed Sep 19, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17371

Re: Vanguard - You'll need to sign up for security codes soon

You missed my point.

Vanguard's 2FA system is too primitive. Its competitors have much more flexible 2FA options for "all kinds" of people.

The main reason Vanguard still has my business is because of my admiration for Mr. Bogle. I would not have tolerated someone else in a similar situation.
by HueyLD
Wed Sep 19, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17371

Re: Vanguard - You'll need to sign up for security codes soon

I think there’s a landline option (voice). I honestly think people are making too much of this. If this was the biggest problem I was facing today, I’d be having a great day. In the time it’s taken to populate this thread, I’d have gotten a google voice number and be receiving codes by email as I w...
by HueyLD
Tue Sep 18, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: A Frustration w/ Ally Bank, Trust Account, and Paperless Statements
Replies: 21
Views: 1352

Re: A Frustration w/ Ally Bank, Trust Account, and Paperless Statements

I had the same thing happen. They eventually stopped. I'm not sure if I clicked to go paperless on a subsequent email they sent me or if their system finally started working. I received them for the first year or so but have not received one in quite some time now. Maybe try making the change on yo...
by HueyLD
Tue Sep 18, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 137
Views: 17371

Re: Vanguard - You'll need to sign up for security codes soon

In another thread, someone reported that Vanguard let him opt out of security code sending and an IT person had to be involved.

Maybe it is possible to not accept the marching order for security code.
by HueyLD
Tue Sep 18, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: CA tax question with treasuries ..
Replies: 7
Views: 476

Re: CA tax question with treasuries ..

I think the OP may be thinking about foreign earned income exclusion and the high marginal rate assigned to the non excluded income.
by HueyLD
Tue Sep 18, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of California SDI
Replies: 1
Views: 184

Re: Taxation of California SDI; Solar tax credit

According to this Cali government site https://www.edd.ca.gov/Disability/FAQ_Employers_Benefits.htm Your DI benefits are not reportable for tax purposes with one exception. If you are receiving Unemployment Insurance (UI) benefits, become unable to work due to a disability, and begin receiving DI be...
by HueyLD
Tue Sep 18, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1763

Re: New York Times--NYTimes: Freezing Credit Will Now Be Free. Here’s Why You Should Go for It.

Yes, the cc company will send you a letter with a dedicated number to call.

You call that number and ask them which credit bureau they use.
by HueyLD
Mon Sep 17, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1188

Re: How to tell when a Mango is ripe?

I just recalled what my mother used to do to speed up the ripening of mangoes.

She put green mangoes into a big bowl of uncooked rice and close the lid. I think mangoes released some kind of gas in a closed rice container and the gas may have expedited the ripening. It worked.
by HueyLD
Mon Sep 17, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 33480

Re: Vanguard opens special offices for $1 million clients

Livesoft,

A flagship rep does not have any authority to trade on a customer's accounts.
by HueyLD
Mon Sep 17, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1188

Re: How to tell when a Mango is ripe?

First, don't buy any that is hard as a rock.

Second, trust your nose more than your hands. A ripe mango gives out nice aroma unless it is rotten. You have a higher chance of having a mango go bad while waiting if you start out with a very green one.
by HueyLD
Mon Sep 17, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1763

Re: New York Times--NYTimes: Freezing Credit Will Now Be Free. Here’s Why You Should Go for It.

This thread is now in the Personal Finance (Not Investing) forum (credit freeze). We've followed this since the legislation was changed. See: Free to freeze and unfreeze your credit report In that thread, I calculated that the law would go into effect on September 20, 2018 (next Thursday). Was I of...
by HueyLD
Fri Sep 14, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Living trusts and relabeling accounts
Replies: 25
Views: 1678

Re: Living trusts and relabeling accounts

I've been told that I need to relabel my accounts to indicate that they belong to the trust. By whom? Did a lawyer prepare your family trust, or did you DIY? If the trust was prepared by a qualified attorney, (s)he should have provided written instructions as to how to retitle your assets in the na...
by HueyLD
Fri Sep 14, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5726

Re: Lab test prices - exasperating!

My Dr ordered a medically necessary test, to be conducted at his facility. When I received the EOB, the charge was denied because pre-authorization had not been obtained. So when my Dr orders a test, I'm supposed to call the insurance company to check before I have the test? My insurance (the most ...
by HueyLD
Thu Sep 13, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 21
Views: 1135

Re: Going to the Everglade. A few questions please.

The one time I was in the Everglades, we were attacked by a swarm of hungry mosquitoes. Bring insect repellent. I was there in late November and mosquitos were thick and constantly flying around my face even with repellent. I saw other people walking around with a net over their face and neck. It i...
by HueyLD
Thu Sep 13, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3730

Re: Vanguard is requiring cell phone security codes - problem for international travel

Terms and Conditions • You understand that use of the Service may involve the transmission of information to you that may be considered personal financial information. You consent to the transmission of such personal financial information by electronic means. You assume all risk for directing Vangu...
by HueyLD
Wed Sep 12, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Medicare and related statements
Replies: 7
Views: 432

Re: Medicare and related statements

You can choose to receive your EOBs electronically.
by HueyLD
Wed Sep 12, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 and mortgage qualification
Replies: 15
Views: 796

Re: 1099 and mortgage qualification

Do you do your own taxes or do you have an accountant?

We used to receive requests from banks asking for clients' 2-3 years of tax returns (with clients' written authorization of course). For some reason, banks did not trust the copies provided by mortgage applicants.
by HueyLD
Wed Sep 12, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2565

Re: Utility usage way up

Does your electricity provider have hourly usage data on their website?

Mine does and you can track the hourly usage to spot unusual uptick.
by HueyLD
Tue Sep 11, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 59
Views: 3495

Re: How often do you guys get alignment done on your cars?

It depends on where you live.

If you live in an area where you need to call Domino's to help fixing the potholes, you will need to get alignment done at least once a year. No kidding.
by HueyLD
Tue Sep 11, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1763

Re: Free credit freezes and un-freezes after Sep 21, 2018

My question is will the credit bureau's be reimbursing folks for all the fees paid prior to this to freeze and unfreeze our accounts? Maybe the credit card companies should get involved in this too because the the freezes were caused by negligence by the bureau's. I agree with what you said, but I ...
by HueyLD
Tue Sep 11, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1763

Re: Free credit freezes and un-freezes after Sep 21, 2018

I have gotten free credit reports from all three companies since the freeze.

No problems getting the reports. And it is so comforting to see the phrase of security freeze on each report.

P.s. Many thanks to Victoria for the PSA.
by HueyLD
Tue Sep 11, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: 529 and gift tax forms?
Replies: 11
Views: 678

Re: 529 and gift tax forms?

A $30K gift from a joint account requires no Form 709 filing. A couple would only have to file two Form 709s for gift splitting. If the $30K is from an individual account in a non-community property state. There are a couple of exceptions to the above. From the 2017 form 709 instructions with chang...
by HueyLD
Thu Sep 06, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1272

Re: Implementing a QCD at Fidelity

Did you pick up the QCD checks at Fido's local office?
by HueyLD
Thu Sep 06, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax-exempt interest to reduce IRMAA?
Replies: 15
Views: 913

Re: Tax-exempt interest to reduce IRMAA?

TE income will be added back to the AGI to determine your IRMAA.

Your better bet is to put money in zero interest accounts.
by HueyLD
Thu Sep 06, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1272

Re: Implementing a QCD at Fidelity

I think you should just call Fidelity and ask them questions directly. Fido is open 24x7.

I know that you can either fill out a form, or write a check against your IRA if you have a check writing privilege.
by HueyLD
Thu Sep 06, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Warning about "unsettled trade" problem with Vanguard
Replies: 9
Views: 1075

Re: Warning about "unsettled trade" problem with Vanguard

I received such warnings periodically from another very well regarded brokerage. No problem if they were only soft warnings. Once in a while, I received a “hard” warning and it prevented me from executing a trade. In such a situation, I picked up the phone and called my friendly rep. The problem was...
by HueyLD
Thu Sep 06, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Phone Calls from Windows saying computer has Malware
Replies: 40
Views: 2076

Re: Phone Calls from Windows saying computer has Malware

Last time I got a call about Windows problems, I asked the caller to repeat what he said over and over again because I could not understand him. He finally gave up and never called back.
by HueyLD
Thu Sep 06, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: could windshield claim to insurance impact what i pay?
Replies: 14
Views: 773

Re: could windshield claim to insurance impact what i pay?

A while back, I had a cracked windshield that was too big to be filled in and a replacement was needed. I called my agent and asked exactly the same question you have. I was told that if that was the only claim I had for the year, my premium would not be affected. However, should I have another clai...
by HueyLD
Wed Sep 05, 2018 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds, 529s and college expenses of non-dependents
Replies: 9
Views: 798

Re: I-Bonds, 529s and college expenses of non-dependents

Ah, I did not read they your entire post carefully. I thought you were going to change the beneficiary from yourself to your great nephew/niece. O.k., now that we have the income tax issue out of the way, we need to discuss potential gift tax filing. When you initially change the beneficiary from yo...
by HueyLD
Wed Sep 05, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds, 529s and college expenses of non-dependents
Replies: 9
Views: 798

Re: I-Bonds, 529s and college expenses of non-dependents

Your niece's children do not fit the definition of family members. The Pub 970 says: "Members of the beneficiary's family. For these purposes, the beneficiary's family includes the beneficiary's spouse and the following other relatives of the beneficiary. 1. Son, daughter, stepchild, foster child, a...
by HueyLD
Wed Sep 05, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: My Understanding of IRS Safe Harbor Rules ...
Replies: 25
Views: 1953

Re: My Understanding of IRS Safe Harbor Rules ...

You didn't see any mention of "single" because that's one of the infamous "marriage penalty" tax issues.
by HueyLD
Wed Sep 05, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: I messed up I bonds questions please help
Replies: 9
Views: 1059

Re: I messed up I bonds questions please help

Another tip: How do I grant View and Transact Rights to securities held in my TreasuryDirect account? You may grant View rights only to a security held in your name to any individual TreasuryDirect account holder. View/Transact rights may be granted to the second-named registrant of a security with ...
by HueyLD
Tue Sep 04, 2018 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: I messed up I bonds questions please help
Replies: 9
Views: 1059

Re: I messed up I bonds questions please help

No. There is only one primary owner and only bonds registered to the primary owner will show up with his/her login.

As I said previously, the secondary owner is treated like a beneficiary for practical purposes.
by HueyLD
Tue Sep 04, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: I messed up I bonds questions please help
Replies: 9
Views: 1059

Re: I messed up I bonds questions please help

The secondary owner is treated almost like a beneficiary. In other words, the secondary owner has no right to your account unless you specifically grant certain rights to him (her). And yes the ownership will be transferred to the secondary owner upon the demise of the primary owner. As with so many...
by HueyLD
Tue Sep 04, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: I messed up I bonds questions please help
Replies: 9
Views: 1059

Re: I messed up I bonds questions please help

No need to worry. Just log into your TD account. Click on "manage direct" on the menu bar and select "update my registration list." You will be able to add a secondary owner. Keep in mind that there is no co-ownership in TD. So, you can buy $10k for your account (with your spouse as the secondary ow...
by HueyLD
Tue Sep 04, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Establishing residency after relocation
Replies: 14
Views: 721

Re: Establishing residency after relocation

How about this official guideline from the state of WA?

https://access.wa.gov/topics/living/becomeresident.html