Search found 272 matches

by richardglm
Fri Jul 24, 2020 4:09 am
Forum: Personal Finance (Not Investing)
Topic: 401k True Up - company dragging feet, what to do?
Replies: 6
Views: 776

Re: 401k True Up - company dragging feet, what to do?

I am in a similar circumstance. I was told that the organization's third party administrator is completely overwhelmed with covid related hardship distributions and that everything else is very delayed.
by richardglm
Thu Jan 16, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a web site to show you where ACA is covered in California?
Replies: 15
Views: 938

Re: Is there a web site to show you where ACA is covered in California?

Thank you for the replies. I called coveredca.com and talked to a agent. With a family of 4 (2 adults and 2 kids) my 2020 projected earning is $148,000.00 and for some reason the agent said the zip code 92078 doesn't qualify for tax exempt. Even though the state tax credit maximum household income ...
by richardglm
Sun Jan 05, 2020 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card activation no longer required?
Replies: 4
Views: 711

Re: Credit card activation no longer required?

Chase has started to send them out that way, I've noticed. And yes its risky. My friend had his mail stolen and someone (fraudulently) bought a few thousand on their new card, since activation wasn't required. I suppose many people don't bother to activate new cards and that's lost business for the ...
by richardglm
Sun Jan 05, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?
Replies: 33
Views: 3896

Re: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?

Briefly googling I found that Rhopressa has a copay savings card available. While those tend to expire after a certain date, would that not make it affordable?
by richardglm
Sat Nov 09, 2019 4:26 pm
Forum: Personal Investments
Topic: Vanguard asking for personal financial information
Replies: 16
Views: 1730

Re: Vanguard asking for personal financial information

For those of you who have work experience at financial institutions, is there ever followup with customers regarding the information supplied (assuming no suspicious activity is being investigated)? Amex has been known to require access to your tax forms directly from the IRS via form 4506T in orde...
by richardglm
Sat Nov 09, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 868

Re: Bank of America no local branch?

Ally and many other online banks don't accept cash deposits. It's a major reason why they are able to keep costs down. However, I don't find it an issue at all as I don't use cash and especially don't deposit it. I can't imagine needing to deposit cash in the year 2019 unless you operate a retail bu...
by richardglm
Wed Nov 06, 2019 10:19 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 4011

Re: Vanguard suggesting I move to ETF's

I have my mutual fund setup with SpecID cost basis so I can control gains and losses more easily. If I convert do I keep the specid cost basis? I would be willing to convert for small ER benefit. Bid/ask spread is only paid when buying or selling which for long term holding is not as significant, pl...
by richardglm
Mon Nov 04, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 147
Views: 11477

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

Is there an advantage to setting a solo 401k like these up in january/february vs november/december? Early in the year would let the contributions grow tax-free (assuming immediate rollovers from after tax to roth after each contribution) please note that I do January/February contributions for thi...
by richardglm
Mon Nov 04, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should Chinese wife keep her China Citizenship?
Replies: 15
Views: 1892

Re: Should Chinese wife keep her China Citizenship?

I do not see an advantage to American citizenship in his wife's situation. However, I do see potential drawbacks. On the contrary, the advantage of American citizenship is immense in this situation. I cannot even begin to contemplate building a life in a different country and not becoming a citizen...
by richardglm
Sun Nov 03, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 147
Views: 11477

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

Is there an advantage to setting a solo 401k like these up in january/february vs november/december? Early in the year would let the contributions grow tax-free (assuming immediate rollovers from after tax to roth after each contribution) Also, rolling over from after-tax 401k to roth IRA vs to a ro...
by richardglm
Wed Oct 16, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra coverage and ACA mandate
Replies: 9
Views: 906

Re: Cobra coverage and ACA mandate

Not all penalties are gone. In the absence of a federal mandate, California has imposed their own tax-based individual mandate beginning January 1, 2020. I am surprised it has not gotten more attention than it has. To avoid a penalty, California residents need to have qualifying health insurance for...
by richardglm
Wed Oct 16, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 52
Views: 7061

Re: Cheap Cell Phone Plan

AT&T prepaid daily plan. $2 for 24 hours unlimited talk text only charged when you use it. $1 for 24 hours/100MB data only when you use it. Plus potential minimum taxes/911 fees. Have to load $100 every 12 months to avoid account expiration (I am not sure if the $100 expires or can be further used; ...
by richardglm
Wed Aug 14, 2019 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Filing Complaint with Medicare on Unethical Part D insurer
Replies: 12
Views: 1409

Re: Filing Complaint with Medicare on Unethical Part D insurer

I am not sure but if there is a yearly out of pocket maximum it may be less beneficial to pay the cash price if it does not count to an OOP max that you'd hit anyways
by richardglm
Sun May 26, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 6052

Re: American Express lowered my credit limit

The credit limit is the limit to the balance you are allowed to carry from month to month. The purchase limit is the credit you are extended that has to be fully paid off at the next statement. Do you have a citation to support this distinction? I've never heard of it before and it doesn't make sen...
by richardglm
Wed Aug 15, 2018 2:22 am
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 4064

Re: Best consumer products - made in USA

surprised no one has mentioned Nalgene bottles yet. by far the best in the world
by richardglm
Tue Jul 17, 2018 1:20 am
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 34
Views: 2783

Re: Passport expiration time rules for France

Airlines will enter your passport information into a program called TIMATIC to decide if you can fly or not, and if TIMATIC says no, the airline will probably not let you board AND will only rebook you at your expense. As was pointed out, the airline will often be stricter than foreign immigration f...
by richardglm
Sun Jul 15, 2018 2:23 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 1229

Re: Health insurance gap

AAA wrote: Sat Jul 14, 2018 9:26 pm healthcare.gov is not available as he has coverage for part of August.
by richardglm
Sun Jul 01, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 9696

Re: Cheapest way to buy a phone in 2018?

Apple dropped software update support for both the iPhone 5 (which was released September 2012) and iPhone 5C (released September 2013), in September 2017. However, Apple stopped selling the iPhone 5 in September 2013 and the 5C in September 2015, and claimed technical reasons (32 bit to 64 bit upgr...
by richardglm
Sat Jun 30, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?
Replies: 21
Views: 3623

Re: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?

The real value of the sapphire cards are their insurance products. If you usually buy comparable trip insurance or auto collision damage waiver separately then you can easily make up the annual fees.
by richardglm
Wed May 23, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: Purchasing SIM card WITH phone?
Replies: 10
Views: 1157

Re: Purchasing SIM card WITH phone?

TropicThunder (hilarious flick BTW *L*), Thank you for confirming what I deduced, having spent a LOT of time online this evening. You suggested both a "modest" flip & smart phone @ X amount euros. Please advise where I can obtain them - especially on short notice. Thank you in advance! Just buy som...
by richardglm
Tue May 01, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 3304

Re: Cellphone use in Europe now inexpensive

Last Christmas went to Germany, I tried to buy a sim card but can't. You must need a bank account or EU ID to buy. Kind of anti terrist act. Luckily I have the T-Mobile from US. It allow 2G (sometimes 3G) in EU usage. That helps navigate through Roma and Wien streets. You were in the wrong store. Y...
by richardglm
Mon Apr 30, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Cellphone use in Europe now inexpensive
Replies: 23
Views: 3304

Re: Cellphone use in Europe now inexpensive

Cell phone service in Europe tends to be much less expensive than the states in part due to greater competition. I pay 20 euros a month for unlimited talk and text, 100gb data (and unlimited slower data beyond this), unlimited calls to the usa (mobile and fixed), unlimited calls to many other count...
by richardglm
Fri Apr 13, 2018 1:34 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 12347

Re: New faster DNS - 1.1.1.1 by CloudFlare

I am well familiar with Cloudflare's professional (=paid) products. It's correct that they're among the most reputable in the industry. Their entire business model is delivering secure and reliable internet services to large scale websites and anything sketchy or shady would undermine that. All DNS ...
by richardglm
Thu Apr 05, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: [Wells Fargo Visa 3% Foreign Exchange fee]
Replies: 58
Views: 3940

Re: WF Visa 3% FX fee

If you're concerned about having more than one credit card to keep track of, Capital One lets you freeze and unfreeze your card online and in app. While it's frozen no charges can come through. Sadly Capital One does not offer Chip and PIN on any of their cards, but the vast majority of purchases do...
by richardglm
Mon Mar 05, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Is digital retinal imaging a scam?
Replies: 14
Views: 4442

Re: Is digital retinal imaging a scam?

This thread will probably get locked for primarily asking medical advice, but I personally consider an annual dilation and/or imaging a very minor deal compared to a detached retina.
by richardglm
Fri Feb 16, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 5124

Re: Mixing fuel octanes for cars

There is generally no benefit to going over recommendation on octane rating. So it is a waste in that sense. if it would be of equal benefit to just alternate fuel grades (mid and premium) between fuel-ups? What matters is the current octane rating of the mixture in your tank. The effect is felt imm...
by richardglm
Sun Jan 21, 2018 1:04 am
Forum: Non-US Investing
Topic: Moving to Canada
Replies: 15
Views: 2356

Re: Moving to Canada

Not sure why the dilemma is between Vanguard US and an (expensive) Canadian broker. There are plenty of US based brokerages who are more flexible.
by richardglm
Thu Jan 11, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Credit score dropped 30 points because I paid off my auto loan?
Replies: 49
Views: 11960

Re: Credit score dropped 30 points because I paid off my auto loan?

Having some personal experience with how things work behind the scenes: People with open, low balance installment loans with payment history are considered less risky by credit card companies. Closing an installment loan (such as mortgage, student or auto loan) affects your risk profile for credit c...
by richardglm
Sat Oct 14, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 6038

Re: 10 year anniversary of the beginning of the Great Recession

I also want to congratulate all the people who, having stayed the course in 2009, didn't pull all of their money out of equities in 2011 when the market made them whole again. It would have been very easy to say "I made it out from the Great Recession with no losses. I'm not going to risk it again."...
by richardglm
Wed Oct 11, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 4175

Re: Social Security Card - Should I get a Replacement

I never needed it until my (legitimate) state tax return got flagged for some reason, and I had to present social security card (among a large list of other documents) to prove my identity and claim my refund.
by richardglm
Sun Oct 08, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: PostDoc Grant - No W/H, Didn't Pay Estimated Taxes
Replies: 23
Views: 2752

Re: PostDoc Grant - No W/H, Didn't Pay Estimated Taxes

Agreed, re-file her and/or your W-4 and withhold extra as much as you need to pay. You can withhold the entire pay check if needed for Oct/Nov/Dec. Not a problem if you have the savings to not get net pay for a month or two. Don't forget extra withholding for state taxes too if necessary.
by richardglm
Sun Oct 01, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 12335

Re: What will happen if I refuse to pay a medical bill?

Absurd that people are thinking this is OP's fault or responsibility when no one seems to have read OP's original statement that the insurance plan provider search said the provider was in-network When both the provider and the insurance plan give inaccurate information, it is impossible for the pat...
by richardglm
Mon Sep 25, 2017 1:25 am
Forum: Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 10868

Re: Help?! My 70 year old father is 100% invested in equities

So many 70-year-olds live on social security only. To have SS+pension+stocks is doing something right, better than many.

I'd be more concerned that the 1% of AUM per year financial advisor is looking out more for ways to get their 1% fee than anything else.
by richardglm
Mon Sep 11, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Underlayment for hardwood floors
Replies: 31
Views: 4012

Re: Underlayment for hardwood floors

Nailing is more work because in order to prevent squeaks you have to be very diligent about nailing very frequently and not missing any regions. If you are expecting good soundproofing from any underlayment, you will be disappointed. A thin felt can help a bit but only insulation will really muffle ...
by richardglm
Mon Sep 11, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: MC,VISA or AMEX for paying British Pounds
Replies: 7
Views: 926

Re: MC,VISA or AMEX for paying British Pounds

AMEX SPG card all the way, no question. The exchange rate is very comparable between all of the issuers. But AMEX avoids the PayPal DCC fee (approximately 2-2.5%) which PayPal makes difficult to avoid. Because it is easy to accidentally pay this fee when using Visa or MC on PayPal for foreign transa...
by richardglm
Fri Sep 08, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 4382

Re: New Mobile Phone number - Now hounded by Collection Agencies

This is really common in high demand areas. If you live in an area code with number exhaustion you're going to get recycled numbers. Asking for a new number might help, but you might get another recycled number. If you choose to keep the number, look up FDCPA. You should be able to stop the calls ea...
by richardglm
Sun Sep 03, 2017 4:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Speaks Softly but Carries a Big Stick
Replies: 29
Views: 4426

Re: Vanguard Speaks Softly but Carries a Big Stick

If corporate involvement and activism in politics greatly concerns you, then I have some really bad news for you about virtually every company that you are a shareholder of, directly or indirectly. We are free to vote against board members or sell our shares. When corporate policies survive, it must...
by richardglm
Sun Sep 03, 2017 1:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard Speaks Softly but Carries a Big Stick
Replies: 29
Views: 4426

Re: Vanguard Speaks Softly but Carries a Big Stick

Floodgates for active hands on management and political interference have now been opened. There is no such thing as passive corporate governance and never will be. Voting with the board 100% of the time is an active decision. It is completely different than passive fund management (i.e. indexing)
by richardglm
Sun Aug 27, 2017 12:36 am
Forum: Personal Finance (Not Investing)
Topic: All areas will have Obamacare plan in 2018
Replies: 14
Views: 2421

Re: All areas will have Obamacare plan in 2018

I offer (and pay for most of) my employees medial insurance. Over many years and tragic personal anecdotes, I have become aware of the need for access to a wide pool of doctors and a wide selection of expert hospitals. These limited doctor plans (Obama Care) may very well work for routine and preve...
by richardglm
Wed Aug 16, 2017 11:28 pm
Forum: Personal Investments
Topic: California - clarification on taxes
Replies: 36
Views: 4064

Re: California - clarification on taxes

Wait, you get more Social Security the more you contribute? So if you do $1 more of overtime, you'd get more from SS then if you had not done the overtime? Yes. Your highest 35 years of subject wages (effectively, the amount of FICA tax you paid) determines (along with many other adjustment factors...
by richardglm
Mon Aug 14, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: MiFi for International Travel
Replies: 13
Views: 2091

Re: MiFi for International Travel

I think MiFi's are useless. Buy a second phone if you need to. One reason US MiFi's are useless is because they don't support European LTE frequencies. Your Samsung Galaxy Note 4 doesn't either. So you won't get LTE speeds no matter the carrier. Sadly only newer higher end smartphones (iphone 6/6S/7...
by richardglm
Wed Aug 09, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell a home to a friend's daughter?
Replies: 31
Views: 4333

Re: Should we sell a home to a friend's daughter?

Hire a third party professional appraiser to value the property. Someone who does appraisal professionally for mortgages and tax purposes, not a real estate agent or broker.
by richardglm
Sun Aug 06, 2017 1:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 8155

Re: "Vanguard Puts Rival Firms On Notice: Fee Wars Will Only Heat Up"

I didn't really understand what Schwab is getting from the cash position. The cash is being swept to Schwab bank, is FDIC insured and earns interest at some certain Money market rate. Schwab Bank provides them the capital necessary to do these huge broker-dealer transactions that they're trying to ...
by richardglm
Fri Jul 28, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 8606

Re: TSA Pre-check for free

It is not random. When they launched the program they did give it out semi-randomly to a lot of people, because otherwise the lines would be empty. It was also marketing to get people to sign up. There are some lucky people who seem to get free Pre-check on every flight. Most people I hear that abou...
by richardglm
Thu Jul 27, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Montreal visit in September
Replies: 11
Views: 1748

Re: Montreal visit in September

When you are in Montreal you need to eat at Schwartz's deli . Get the Montreal smoked meat sandwich. You will also need to get a plate of poutine somewhere (lots of places for this) - french fries with cheese curds and gravy on top. Thick cut french fries with gravy is pretty common across Canada b...
by richardglm
Wed Jul 26, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 36638

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

A lot of misinformation in this thread. Moving from Prime MM to Federal MM for brokerage settlement has absolutely nothing to do with brokerage account upgrade . Period. It is only a coincidence they are rolling it out at the same time. And you are still allowed to use Prime MM. It just can't be use...
by richardglm
Wed Jul 26, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Excess Rental Car Insurance in Europe
Replies: 16
Views: 2464

Re: Excess Rental Car Insurance in Europe

Even the regular AMEX card provides primary rental car insurance in Europe. The only exception I know is particular countries, most of which begin in the letter I. The premium car insurance is mainly an advantage in the US, where it is primary insurance. Apart from the excluded countries, I never f...
by richardglm
Wed Jul 26, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 12580

Re: Green Dot cards are ID fraud!

When you buy the green dot card in a store you get a temporary card. A personalized card is later sent to the registered address. That’s why a scammer would use a prepaid card over a normal bank account: they have the temporary card, and just hope the personalized card gets ignored. One scam is to f...
by richardglm
Wed Jul 26, 2017 4:22 am
Forum: Personal Finance (Not Investing)
Topic: Excess Rental Car Insurance in Europe
Replies: 16
Views: 2464

Re: Excess Rental Car Insurance in Europe

American Express sells primary car rental insurance for $15-$20 per rental (per car, not per day) and Chase offers it for free on some of their premium cards. This is usually superior coverage to the secondary car rental insurance offered by many other CC's.
by richardglm
Wed Jul 26, 2017 4:16 am
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 12580

Re: Green Dot cards are ID fraud!

What is a "green dot card?" :confused A green dot card is a prepaid reloadable debit card. Think of it as a Visa or Mastercard "gift" card that is reloadable with cash or direct deposit or some other means of loading money on it to use for purchases or to withdraw cash later from an ATM. There are ...