Search found 1377 matches

by AAA
Sun Jun 10, 2012 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Bureau File
Replies: 22
Views: 3151

Re: Freezing Credit Bureau File

> Called back Equifax and they insisted it's unlocked but dealer said it's not. I had also called Equifax and was told the file was open but the inquiring party said they couldn't get in. I had been told that only Equifax would need to be open, but that could have been incorrect advice. I think thei...
by AAA
Sat Jun 09, 2012 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Bureau File
Replies: 22
Views: 3151

Re: Freezing Credit Bureau File

> However, I just checked the Experian web site, which stated that if you moved to a different address, even within the same state, you would have to submit NEW documentation to them including a new drivers license with your new address and a new utility bill/bank statement. Far be it for me to come...
by AAA
Sat Jun 09, 2012 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Bureau File
Replies: 22
Views: 3151

Re: Freezing Credit Bureau File

> I actually tried online to unfreeze temporarily, but the car dealer could still not check. That's interesting. I unfroze one bureau recently and was told by the inquiring party that they couldn't check it. An Equifax rep told me over the phone that it could take anywhere from 15 minutes to up to 3...
by AAA
Fri Jun 08, 2012 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Bureau File
Replies: 22
Views: 3151

Re: Freezing Credit Bureau File

> Take a look at the link I posted above and then look at the states of Pennsylvania, Kentucky, and South Dakota. In those states, a credit freeze automatically expires after 7 years. Okay, I looked at Act 163 (PA) and found the following: (d) Duration of freeze.--A security freeze shall remain in p...
by AAA
Fri Jun 08, 2012 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Bureau File
Replies: 22
Views: 3151

Re: Freezing Credit Bureau File

Me again - well what do you know? I got to talk with someone at Equifax and they said the freeze is permanent. TransUnion's web site has for duration "until you choose to lift it permanently or temporarily." I couldn't find anything specific on Experian's web site about the duration. Even checked my...
by AAA
Fri Jun 08, 2012 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Bureau File
Replies: 22
Views: 3151

Re: Freezing Credit Bureau File

> Hopefully the credit bureaus will notify you. Keep us posted. It won't happen until 2014 but I was just wondering if I needed to keep on top of the exact date or whether they would notify me. > Would you ever need to unfreeze it? Seems likely. Would that not start the clock again? My understanding...
by AAA
Thu Jun 07, 2012 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Bureau File
Replies: 22
Views: 3151

Freezing Credit Bureau File

I understand that, at least in my state, this can only be done for 7 years. Does anyone know whether at the end of this time the credit bureau is supposed to notify you that the freeze is about to end or has ended? Somehow I think that if they are not required to do it they won't, as it is not in th...
by AAA
Fri Jun 01, 2012 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Information to supply when renting
Replies: 2
Views: 363

Information to supply when renting

My daughter will need to rent an apt. for her last year in college. So naturally the landlord will want some information from me as she is not working. Since I only like to give out the minimum required information, and since some entities improperly ask for more than the minimum, I was just wonderi...
by AAA
Thu May 24, 2012 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: More Confusion about Ally Bank CD
Replies: 12
Views: 2114

Re: More Confusion about Ally Bank CD

It boils down to a math problem only if you are able to (a) make an early withdrawal and (b) do so by paying only 60 days interest.
by AAA
Thu May 24, 2012 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: More Confusion about Ally Bank CD
Replies: 12
Views: 2114

More Confusion about Ally Bank CD

There has been much discussion here about Ally's early withdrawal penalty, currently 60 days of interest, in particular whether they could change the policy for a CD you already own. Some people buy 5-year CD's from them with the assumption that they could make an early withdrawal if rates go up sig...
by AAA
Fri May 18, 2012 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Raise Your Rate CD
Replies: 4
Views: 2506

Re: Ally Bank Raise Your Rate CD

dm200 wrote:I have no idea about whether this is an issue with Ally, but one not uncommon technique banks sometime use with these CDs is to offer the raise the rate on odd terms, the offer different terms on new CDs (or the other way around).
Yes, that is exactly my concern.
by AAA
Thu May 17, 2012 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Raise Your Rate CD
Replies: 4
Views: 2506

Ally Bank Raise Your Rate CD

I have one of these but was considering a potential problem with it. They say if their rate on this CD goes up during the term of your CD, you have the option to ask for the higher rate. So what happens if they decide to stop offering this particular product, then what "rate" do you have as a benchm...
by AAA
Mon Apr 23, 2012 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Strange IRS Letter
Replies: 5
Views: 1271

Re: Strange IRS Letter

Alan S. wrote:Are you sure the letter refers to tax year 2011, or perhaps to a prior year for which he did not file and for which he was a minor?
It says Tax Year: December 31, 2011.
by AAA
Mon Apr 23, 2012 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Strange IRS Letter
Replies: 5
Views: 1271

Strange IRS Letter

We filed a return for my son several weeks ago. We used Turbo Tax and the 1040A we filed clearly showed no tax or refund due. Skip ahead a few weeks and a letter arrives addressed to him with the word Minor after his name (even though he is not, and no such designation was used in our filing). The l...
by AAA
Mon Apr 16, 2012 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Advisors : new fees starting 6/20/2012
Replies: 94
Views: 14383

Re: Wells Fargo Advisors : new fees starting 6/20/2012

I have a couple of small accounts at WF due to inheritance. I wanted to move them to Vanguard but there was a $90 fee per account. I guess due to inertia they are still there.
by AAA
Sun Apr 01, 2012 7:26 am
Forum: Personal Investments
Topic: Bond Funds
Replies: 4
Views: 516

Bond Funds

Suppose you have a bond fund with a duration of 5 years and the current interest rate is 5%. Overnight, the prevailing rate for the type of bonds in that fund goes up to 6% so the value of the fund will drop by 5%. My question is - without any further changes in interest rates, how long does it take...
by AAA
Fri Mar 30, 2012 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: "Massive" credit card security breach
Replies: 20
Views: 2445

Re: "Massive" credit card security breach

My credit card companies send me email alerts. For one card, I get an email whenever the card was not used in person (such as an online person). For the other, it alerts me whenever an amount above a certain value is charged. I suppose there are options for other circumstances also. This can't preve...
by AAA
Mon Mar 26, 2012 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Mail or E-File Tax Returns - TFB comments
Replies: 46
Views: 4468

Re: Mail or E-File Tax Returns - TFB comments

I mail in paper copies. I use TurboTax and mainly don't want my personal information residing on Intuit's computers (or any other vendor's). Question - when you e-file, using for instance TurboTax, does it show you exactly what is being sent or is that not possible because it is in some kind of obsc...
by AAA
Mon Mar 12, 2012 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Contribution Question
Replies: 4
Views: 1193

Re: IRA Contribution Question

Gus: Thanks and your're right that it's not clearly spelled out. I found lists on the web for what is and what is not considered taxable compensation but this particular item didn't appear on either list. DSInvestor: Thanks for the sugestion. I did use tax software (but did try to enter an IRA contr...
by AAA
Mon Mar 12, 2012 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Contribution Question
Replies: 4
Views: 1193

IRA Contribution Question

One of my kids had, say, $1000 in wages in 2011. She also received a 1099-MISC for community service work that is entered on Line 21 on Form 1040, say another $1000. It is taxable according to the issuing federal agency. That agency says it "engages Americans in service through agencies such as Amer...
by AAA
Fri Mar 09, 2012 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Save money every day: Ten painless tricks
Replies: 61
Views: 8581

Issue with No. 6

Sorry, but I have an ethical issue with No. 6 - Shop Online. The store owner spends money to have a showroom stocked with items for sale, but it's suggested you only go there to see what you like and then order it online later. Now I know, there are some store owners who might try to charge more tha...
by AAA
Sat Mar 03, 2012 11:27 am
Forum: Personal Investments
Topic: Mailing of Tax Forms
Replies: 5
Views: 713

Mailing of Tax Forms

I called Vanguard this morning to ask why they don't give the option for paperless tax forms (1099-INT, etc). It's not a legal requirement to have them mailed, and I know that other brokerage firms give the option for e-delivery. I was told that if enough people ask they would consider allowing it. ...
by AAA
Mon Dec 05, 2011 10:34 am
Forum: Personal Investments
Topic: 401K Question
Replies: 4
Views: 484

Re: 401K Question

Thanks dbr for your comments. Yes, in the overall picture, given future pension and SS, the SV exposure is less than I thought but still quite high. And still the somewhat shrouded nature of the investment. I've thought about Total Bond Fund as a place to put some of the SV money, but....and you pro...
by AAA
Sun Dec 04, 2011 7:57 pm
Forum: Personal Investments
Topic: 401K Question
Replies: 4
Views: 484

Re: 401K Question

It's more like 50%, hence the concern. It is also a diversity of GIC's, but I don't understand the risk level. There's no a lot of information available as the stable value fund is administered by a group in my company. Large company and good track record, but still... So that's why I'm soliciting a...
by AAA
Sun Dec 04, 2011 1:33 pm
Forum: Personal Investments
Topic: 401K Question
Replies: 4
Views: 484

401K Question

Part of my retirement savings are in a stable value fund in my 401K. I have a general idea of what such a fund is, but maybe not a good handle on the risks involved. Because of that uncertainty, and the concern about too much % of investments in one vehicle, I was considering rolling over some of th...
by AAA
Sat Nov 12, 2011 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Renting car for a long trip
Replies: 20
Views: 1892

Re: Renting car for a long trip

I can't advise on the benefits of renting vs. using your own car, however if you do rent I would strongly suggest that you go over the car with the rental agent when you pick it up and have them document any and all scratches, dents, etc. Don't forget the inside of the car also, which they usually d...
by AAA
Mon Oct 03, 2011 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Steel-reinforced washer hoses
Replies: 11
Views: 4471

An alternative type of hose that is claimed to be better than steel braided can be found here: http://www.floodchek.com I can't say I did an intensive investigation of the situation, but this is what I went with. Just something else you might consider. (I am not affiliated with them, nor have any ex...
by AAA
Sat Aug 27, 2011 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mechanics and timing of paying cash for new car
Replies: 16
Views: 2313

I had a sort of opposite experience a few years ago. We agreed on the price of the car on a Friday or Saturday, before I had a check ready. The dealer told me to take the car home anyway and I paid for it on Monday. He knew I wasn't going to steal it. Agree with jsl11 - dealer usually asks for a dep...
by AAA
Thu Aug 25, 2011 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 41
Views: 4581

I have periodically looked into LTC insurance and have never been able to pull the trigger on purchasing it. I've read too much about companies requesting large rate increases from state insurance agencies, and getting them. Also the fact that you are purchasing something today that you may not use ...
by AAA
Sun Aug 21, 2011 10:35 am
Forum: Personal Investments
Topic: Ever any merit to gambling on one stock?
Replies: 18
Views: 2179

I am probably more conservative than most people here and had never, until a couple of years ago, bought an individual stock. However, the market had gone down a lot and I saw that Ford was selling for about $2 a share. Given that it was the only one among the big three auto companies to not take go...
by AAA
Thu Aug 18, 2011 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone buy a new car recently? Paperwork comment/question.
Replies: 37
Views: 6522

My most recent car purchase was in December, 2008. Paid by personal check without being asked to fill out a credit application. Interestingly, when I bought a car in 2003 at another dealership, the salesman asked for my social security number. When I balked, he insisted that they were required to ge...
by AAA
Sun Aug 14, 2011 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Accident and how to use auto insurance
Replies: 16
Views: 1971

A couple of respondents have stated that if it's not your fault it won't count against you but I repeat - my insurance company told me after a recent accident that wasn't my fault that if I file the claim with them it could possibly lead to increased premiums if they couldn't recover from the other ...
by AAA
Sun Aug 14, 2011 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Accident and how to use auto insurance
Replies: 16
Views: 1971

I'm not an expert, but from my experience, you have two options: 1. File a claim with your company. You will have to pay your deductible, but generally will be reimbursed when your company gets paid by the other party's. In my last such accident, I didn't even have to pay the deductible, not sure wh...
by AAA
Sat Jul 30, 2011 5:31 pm
Forum: Personal Consumer Issues
Topic: Does anyone here NOT like traveling?
Replies: 153
Views: 17313

I did some traveling when I was younger, but for now it's "staycations" for me.
by AAA
Sat Jul 30, 2011 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do you shop for electricity?
Replies: 25
Views: 3483

My experience with this in Pennsylvania a few years ago was not very positive. I chose an alternate provide that notified me after a few months that they were getting out of the market. Same thing happened with the next provider. Finally I went with a co-op and eventually left them to go back to PEC...
by AAA
Sun Jul 17, 2011 6:43 am
Forum: Personal Investments
Topic: Vanguard Statements Arrive in Unsealed Envelope
Replies: 32
Views: 4652

I too have received envelopes from Vanguard that were unsealed. In my case, I do get electronic statements, but there was some mailing (forget exactly what) that came open. I called to ask if there were anything personal that was put in it and that had fallen out. Luckily, the answer was no. On anot...
by AAA
Sun Jul 03, 2011 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Insurance Claim - My Company or Theirs
Replies: 3
Views: 608

Filing Insurance Claim - My Company or Theirs

Someone's car did damage to my house. The other party admits fault and a police report was filed that documents that. I called my insurance company's claim number and gave them the information. They then asked me if I wanted to file the claim with them or with the other party's company. I am trying ...
by AAA
Sat Apr 09, 2011 8:57 pm
Forum: Investing - Theory, News & General
Topic: Long-Term Bond Funds
Replies: 5
Views: 1641

Okay, I think I get it. A followup question, please -

Who would/should buy into a long-term bond fund now?
by AAA
Fri Apr 08, 2011 12:22 pm
Forum: Investing - Theory, News & General
Topic: Long-Term Bond Funds
Replies: 5
Views: 1641

Long-Term Bond Funds

I'm trying to understand these a bit better, given the general expectation that interest rates will more likely rise than fall in the near future. You sometimes see statements to the effect that the expected interest rate rise is already built into the fund NAV. So I assume this means that if intere...
by AAA
Sun Jan 30, 2011 11:45 am
Forum: Personal Investments
Topic: Education Tax Credit and Refund from School
Replies: 6
Views: 766

> Why are you asking us when this is clearly stated in Pub 970, readily found at irs.gov, with a clear table of contents? I think "Why are you asking us when ... is clearly stated in ..." could be the answer to most of the questions posted in the Bogleheads forum. Maybe according to you we should ju...
by AAA
Sun Jan 30, 2011 7:52 am
Forum: Personal Investments
Topic: Education Tax Credit and Refund from School
Replies: 6
Views: 766

Education Tax Credit and Refund from School

Last Fall, I paid the fee for a couple of college courses my son signed up for and planned to take the American Opportunity tax credit. He dropped one of the courses and we just received a refund from the school. I assume there will be a 2011 tax-related statement from the school showing a refund wa...
by AAA
Thu Dec 30, 2010 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Book on Social Security
Replies: 9
Views: 1735

[quote="sscritic"]I just checked the wiki page on social security ( http://www.bogleheads.org/wiki/Social_Security ), and I found all the links to work. Which links did not work? Or are you referring to a different page when you write "reference library"? I went to Reference Library and Wiki. From t...
by AAA
Wed Dec 29, 2010 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Book on Social Security
Replies: 9
Views: 1735

Book on Social Security

Can someone recommend a book that discusses the ins and outs of Social Security, especially strategies around the decision of when to start collecting, in a straightforward and not-too-technical way? I checked the Bogleheads reference library and some of the links there didn't work for me. I've also...
by AAA
Sun Dec 26, 2010 6:48 pm
Forum: Personal Investments
Topic: Psychology of Retirement
Replies: 16
Views: 2438

Re: Psychology of Retirement

I can retire but have a hard time resolving to do it. A lot of my hesitation has to do with the current economy - the thought that now is not the time to be walking away from a job and the realization that savings/investments will not be earning much because interest rates are so low.
by AAA
Fri Dec 10, 2010 9:27 pm
Forum: Personal Investments
Topic: Starting Social Security
Replies: 3
Views: 1369

Starting Social Security

Suppose you are under the full retirement age and retire mid-year, starting Social Security at that time. Regarding the earnings penalty, which of these two is correct: o no penalty since you are not working while you are collecting o penalty, since it's all figured on an annual basis, such as when ...
by AAA
Fri Nov 26, 2010 2:23 pm
Forum: Forum Issues and Administration
Topic: Problem with search?
Replies: 5
Views: 1815

Okay, I think I found the issue. I wasn't using AND and OR with multiple keywords.

Also, the suggestion to use Google is helpful.

Thanks.
by AAA
Thu Nov 25, 2010 12:02 pm
Forum: Forum Issues and Administration
Topic: Problem with search?
Replies: 5
Views: 1815

Problem with search?

Is there a known issue with the Search function? When I enter keywords and click on Search, the screen goes blank - same thing using Safari and Firefox (on a Mac).

Thanks.
by AAA
Fri Jul 16, 2010 6:54 pm
Forum: Personal Investments
Topic: State Tax Status of Muni Bonds?
Replies: 9
Views: 1247

Not so fast. I'm looking for instance at Delaware's income tax form. You enter the federal adjusted gross income (AGI), but underneath that it has you enter "Interest on State and Local Obligations other than Delaware," which is added back to the federal AGI. So your state may use the federal AGI, b...
by AAA
Fri Jun 25, 2010 7:16 pm
Forum: Personal Investments
Topic: Any special trick to buying CDs via Vanguard?
Replies: 10
Views: 2383

All the banks are all FDIC insured but if you find that you need to sell a CD before maturity, then the bank's rating comes into play. Large dealers who might buy the CD are of course already over the FDIC limit so the strength of the bank is taken into account - you would receive less if you attemp...
by AAA
Tue May 18, 2010 11:29 am
Forum: Personal Investments
Topic: Vanguard CD Inventory
Replies: 2
Views: 907

Vanguard CD Inventory

I was looking to purchase some short term CD's in my Vanguard brokerage account. In the past, I have found the CD inventory to be fairly competitive with what was available elsewhere. Not so right now, and I was wondering why. For instance, the best 1 year CD Vanguard offers has a 0.60% rate, compar...