Search found 19188 matches

by VictoriaF
Sun Apr 04, 2021 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Any reason to file taxes before May 17?
Replies: 34
Views: 3612

Re: Any reason to file taxes before May 17?

The weather is getting nicer. It's easier to enjoy it without the pressure of an impending chore.

Victoria
by VictoriaF
Sat Apr 03, 2021 11:24 am
Forum: Personal Finance (Not Investing)
Topic: HSABank does not have 1099-SA for transfer to Fidelity. Reflect in tax return?
Replies: 7
Views: 280

Re: HSABank does not have 1099-SA for transfer to Fidelity. Reflect in tax return?

Did you do a trustee to trustee transfer? If so, no reporting is necessary. From the 1099-SA instructions: “ Do not report a trustee-to-trustee transfer from one Archer MSA or MA MSA to another Archer MSA or MA MSA, from an Archer MSA to an HSA, or from one HSA to another HSA. For reporting purpose...
by VictoriaF
Sat Apr 03, 2021 11:23 am
Forum: Personal Finance (Not Investing)
Topic: HSABank does not have 1099-SA for transfer to Fidelity. Reflect in tax return?
Replies: 7
Views: 280

Re: HSABank does not have 1099-SA for transfer to Fidelity. Reflect in tax return?

Maybe the last "or" in the quote should be "nor"?? I am frequently puzzled by "or" vs. "nor" and you gave me a great reason to extend my procrastination on my taxes. I looked it up, and the first Google link https://www.learnenglish.de/mistakes/norvsor.html s...
by VictoriaF
Sat Apr 03, 2021 11:14 am
Forum: Personal Finance (Not Investing)
Topic: HSABank does not have 1099-SA for transfer to Fidelity. Reflect in tax return?
Replies: 7
Views: 280

Re: HSABank does not have 1099-SA for transfer to Fidelity. Reflect in tax return?

When I transferred my HSA, I didn't report anything on my tax return. From https://www.irs.gov/instructions/i8889 Rollovers A rollover is a tax-free distribution (withdrawal) of assets from one HSA or Archer MSA that is reinvested in another HSA of the same account beneficiary. Generally, you must ...
by VictoriaF
Sat Apr 03, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: HSABank does not have 1099-SA for transfer to Fidelity. Reflect in tax return?
Replies: 7
Views: 280

HSABank does not have 1099-SA for transfer to Fidelity. Reflect in tax return?

In January 2020, I transferred my HSA funds from HSABank to Fidelity HSA. In 2020, all my HSA withdrawals were from Fidelity. Fidelity has provided me with Form 1099-SA accurately reflecting my withdrawals. HSABank has not provided me with any forms for 2020, neither on paper or in my account on the...
by VictoriaF
Sun Mar 28, 2021 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up a job with pension/retiree health care
Replies: 9
Views: 1552

Re: Giving up a job with pension/retiree health care

Pension and retiree health insurance are huge benefits. Even after you become eligible for Medicare, your retiree insurance will close any holes in the coverage. Stay where you are and wait for your husband to join you in two years.

Good luck,
Victoria
by VictoriaF
Sun Mar 28, 2021 5:47 pm
Forum: Personal Consumer Issues
Topic: Books and/or Periodicals on Computer Security
Replies: 6
Views: 557

Re: Books and/or Periodicals on Computer Security

Another top choice is Bruce Schneier https://www.schneier.com/ I second the recommendation of Bruce Schneier. Most people are insufficiently worried about the cyber space and Schneier fixes this deficiency. Sometimes, he does not have good answers. For example, in his latest newsletter he cited a s...
by VictoriaF
Sun Mar 28, 2021 5:41 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 95
Views: 7933

Re: AAA - American Auto Assn - Service has gone way down

Every year I am pondering whether to renew my AAA membership. But then I recall that my car is over 20 years old and pay up. A few weeks ago, it paid back. When I tried to start the car, the battery was dead. The AAA guy arrived within an hour. Not only he replaced the battery but he also had to rep...
by VictoriaF
Sun Mar 28, 2021 5:20 pm
Forum: Personal Investments
Topic: Advice on how to ease the anxiety of deciding to retire.
Replies: 91
Views: 10475

Re: Advice on how to ease the anxiety of deciding to retire.

To prepare for retirement, you should take the following actions: 1. Envision and prepare for the worst-case financial scenario with a large safety margin. "Worst-case" is not $0 but, e.g., 60% decline in the stock market It declined 89% following the 1929 crash. And something that happen...
by VictoriaF
Sat Mar 27, 2021 12:34 pm
Forum: Personal Investments
Topic: Advice on how to ease the anxiety of deciding to retire.
Replies: 91
Views: 10475

Re: Advice on how to ease the anxiety of deciding to retire.

To prepare for retirement, you should take the following actions: 1. Envision and prepare for the worst-case financial scenario with a large safety margin. "Worst-case" is not $0 but, e.g., 60% decline in the stock market. 2. Envision and prepare for various health-related issues. Get a he...
by VictoriaF
Sat Mar 27, 2021 11:53 am
Forum: Personal Consumer Issues
Topic: Should a Retired Federal Employee Sign Up for Medicare Part B?
Replies: 27
Views: 1861

Re: Should a Retired Federal Employee Sign Up for Medicare Part B?

I use Medicare Parts A and B together with GEHA-High. GEHA High reimburses $600 of the annual Part B expenses. GEHA-High is more expensive than BCBS-Basic and $600 is less than $800, but I chose it for less restrictive coverage. With BCBS-Basic, you have to use their in-network providers. While most...
by VictoriaF
Fri Mar 26, 2021 10:13 am
Forum: Personal Investments
Topic: What are best online banks for IRA CDs?
Replies: 7
Views: 719

Re: What are best online banks for IRA CDs?

My advice would be to check Deposit Accounts and see if anyone is offering anything compelling. According to Deposit Accounts, Democracy FCU offers API = 1.51% on 12-month CDs. I qualify based on my residence location but have been reluctant to open an account in an additional institution. Victoria
by VictoriaF
Wed Mar 24, 2021 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 362
Views: 25849

Re: [Third stimulus payment - mega-thread]

I don't qualify for the 3rd stimulus payment based on my 2019 and 2020 AGI, because my Roth conversions have put me about the phase-out limit. If I understand Kitces's article correctly, if I reduce my Roth conversions in 2021 and my 2021 AGI falls below the threshold, I will receive the full 3rd p...
by VictoriaF
Wed Mar 24, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 362
Views: 25849

Re: [Third stimulus payment - mega-thread]

I don't qualify for the 3rd stimulus payment based on my 2019 and 2020 AGI, because my Roth conversions have put me about the phase-out limit. If I understand Kitces's article correctly, if I reduce my Roth conversions in 2021 and my 2021 AGI falls below the threshold, I will receive the full 3rd pa...
by VictoriaF
Tue Mar 16, 2021 3:57 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 149
Views: 9582

Re: What are your travel plans in 2021 and beyond?

I decided to cancel my trip to Europe this summer, even though I am now fully vaccinated. I don't want different countries' closings, quarantines, and test requirements to disrupt my trip. The only definite trip is to Western Massachusetts for a wedding. And even that bothers me because, flying to A...
by VictoriaF
Tue Jan 26, 2021 5:33 pm
Forum: Personal Investments
Topic: Good idea to hold TIPS now?
Replies: 185
Views: 17032

Re: Good idea to hold TIPS now?

Revival of an old thread. Good idea to hold TIPS **now**? I have a fair amount of cash that I decided to move into inflation-indexed assets. I am considering the following options: - Vanguard Inflation-Protected Securities Fund Admiral Shares (VAIPX) - Fidelity Inflation-Protected Bond Index Fund (...
by VictoriaF
Tue Jan 26, 2021 5:09 pm
Forum: Personal Investments
Topic: Good idea to hold TIPS now?
Replies: 185
Views: 17032

Re: Good idea to hold TIPS now?

Revival of an old thread. Good idea to hold TIPS **now**? I have a fair amount of cash that I decided to move into inflation-indexed assets. I am considering the following options: - Vanguard Inflation-Protected Securities Fund Admiral Shares (VAIPX) - Fidelity Inflation-Protected Bond Index Fund (...
by VictoriaF
Fri Jan 22, 2021 9:19 pm
Forum: Personal Investments
Topic: I have learned my lesson. No more preaching finances to my friends or family
Replies: 119
Views: 14453

Re: I have learned my lesson. No more preaching finances to my friends or family

Another problem related to this is that many ( most ?) people don't seem to understand basic arithmetic. 1% sounds like a trivial amount for a professional fee. Exactly right. People don't understand arithmetic and don't understand differences between $1, 1%, and 1% per year . People are also afrai...
by VictoriaF
Fri Jan 22, 2021 8:50 pm
Forum: Personal Investments
Topic: I have learned my lesson. No more preaching finances to my friends or family
Replies: 119
Views: 14453

Re: I have learned my lesson. No more preaching finances to my friends or family

So I learned at that time that you can lead the horse to water, but you cannot force it to drink. You can lead the horse to water, you can’t make them drink it. You can lead a horse to water... It seems there is a theme here. :idea: Stop giving advice to horses, they don’t listen. My doctor advises...
by VictoriaF
Fri Jan 22, 2021 2:54 pm
Forum: Personal Investments
Topic: Good idea to hold TIPS now?
Replies: 185
Views: 17032

Re: Good idea to hold TIPS now?

Revival of an old thread. Good idea to hold TIPS **now**? I have a fair amount of cash that I decided to move into inflation-indexed assets. I am considering the following options: - Vanguard Inflation-Protected Securities Fund Admiral Shares (VAIPX) - Fidelity Inflation-Protected Bond Index Fund (...
by VictoriaF
Thu Jan 14, 2021 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Identity Protection PIN
Replies: 94
Views: 5647

Re: IRS Identity Protection PIN

I logged in to my IRS account where I can review my tax transcripts. There was no option to request the Identity Protection (IP) PIN. While I was logged in, in a separate tab, I got to the "Get An Identity Protection PIN (IP PIN)" page, https://www.irs.gov/identity-theft-fraud-scams/get-an...
by VictoriaF
Thu Jan 14, 2021 12:22 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 256
Views: 47369

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

Reviving this thread is a cruel joke. I thought that the 3% rate was back.

Victoria
by VictoriaF
Thu Jan 14, 2021 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh Vanguard! May have to leave. They made a huge error.
Replies: 223
Views: 25285

Re: Ugh Vanguard! May have to leave. They made a huge error.

OP's experience is reprehensible but he should not make a one-issue decision to leave. His decision should be influenced by several other factors including: 1. the likelihood of mistakes at various brokerages -- not from self-selected Bogleheads posts but from reliable statistics 2. the likelihood o...
by VictoriaF
Wed Jan 06, 2021 12:32 pm
Forum: Investing - Theory, News & General
Topic: Register NOW for the Jan 9 speaker event with Joe Davis and Maria Bruno
Replies: 10
Views: 1591

Re: Register NOW for the Jan 9 speaker event with Joe Davis and Maria Bruno

Mike Nolan wrote: Tue Jan 05, 2021 10:00 am The next Bogleheads Speaker Series event is this weekend!
Happy New Year, Mike,

I admired your support of Jack Bogle and now I am grateful for your work with the Bogle Center. Hope to see you again in person when face-to-face Bogleheads Conferences resume.

Victoria
by VictoriaF
Tue Jan 05, 2021 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: 2021; any landlords raising/lowering rents?
Replies: 49
Views: 4272

Re: 2021; any landlords raising/lowering rents?

IMO wrote: Mon Jan 04, 2021 2:20 pm After 3 yrs without raising rent was able to raise rent by 23% (at tenant turnover) because of what Covid has done to the real estate and rental market in the area.
This is interesting. In my area, there is shortage of homes for purchase and abundance of apartments for rent.

Victoria
by VictoriaF
Tue Jan 05, 2021 6:48 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Cell Phone?
Replies: 78
Views: 5412

Re: Bogleheads Cell Phone?

I have two recommendations: 1. Don't buy a used phone. It could contain malware that will cost you (much) more in the long run. 2. If you decide to get an Android phone, get one that gets Google software patches. With respect to #2, Wirecutter has recommendations dated December 17, 2020, https://www...
by VictoriaF
Tue Jan 05, 2021 6:19 pm
Forum: Investing - Theory, News & General
Topic: Ally Bank Removed Online Early Withdrawal From No-Penalty CDs
Replies: 142
Views: 13879

Re: Ally Bank Removed Online Early Withdrawal From No-Penalty CDs

Ally's savings account is now paying 0.5%. This is more than most CDs and is more flexible than NP CDs. I am moving my cash into Ally's savings. If/when higher earning opportunities appear, I'll move the money out. If Ally lowers their savings rate to 0.4% or even 0.3%, I'll still consider it accept...
by VictoriaF
Mon Jan 04, 2021 1:18 pm
Forum: Personal Consumer Issues
Topic: Summer 2021 travel?
Replies: 81
Views: 5378

Re: Summer 2021 travel?

I have a similar situation and use similar reasoning. I prepaid travel for an August conference in Brno, Czech Republic, which included the conference fee, several days at the conference hotel, and a week-long travel around Czechia. The conference was moved to the same dates in 2021. At this time, ...
by VictoriaF
Sun Jan 03, 2021 1:49 pm
Forum: Personal Consumer Issues
Topic: Travel refund to a cancelled Chase Ink card?
Replies: 14
Views: 726

Re: Travel refund to a cancelled Chase Ink card?

To make my card management easier, I have adjusted the card monthly ending dates to be within a few days of each other and keep a list of all my cards. A few days after the last card close date, I pay the balances and check each card off the list. I also have the cards set to autopay at the minimum...
by VictoriaF
Sun Jan 03, 2021 1:42 pm
Forum: Personal Consumer Issues
Topic: Summer 2021 travel?
Replies: 81
Views: 5378

Re: Summer 2021 travel?

I have travel plans for the summer already booked. They're the ones from last summer "migrated". I give less than even odds that it will be possible for me to use said plans -- but they were nonrefundable already anyway, so I may as well try. Of course, even with vaccinations, more jurisd...
by VictoriaF
Sun Jan 03, 2021 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best Chase credit card with 2% cash back on all purchases?
Replies: 59
Views: 3711

Re: Best Chase credit card with 2% cash back on all purchases?

The best "cash back" rewards program is no credit card at all. Over the long haul, "awards" programs that are tied to increased credit card useage ends up leading to increased expenditure. It's only a matter of time. You are right. Your comment is supported by the studies of cog...
by VictoriaF
Sun Jan 03, 2021 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: 2021; any landlords raising/lowering rents?
Replies: 49
Views: 4272

Re: 2021; any landlords raising/lowering rents?

I live in an apartment building in Arlington, VA. I like the location and price, and every year I ask for a lease even though I can rent on the month-by-month basis. Before COVID, they did not increase my lease for 2020 without giving the reason. I did not ask. After COVID, they did not increase my ...
by VictoriaF
Sun Jan 03, 2021 12:33 pm
Forum: Personal Consumer Issues
Topic: Travel refund to a cancelled Chase Ink card?
Replies: 14
Views: 726

Re: Travel refund to a cancelled Chase Ink card?

Chase usually does not give retention offers, and I am trying to reduce the number of my credit cards to make them easier to manage. Just to note - the no-annual-fee Ink Cash is an exceptionally useful card, as it earns 5X UR points at office supply stores (which sell many gift cards) and on cell/c...
by VictoriaF
Sun Jan 03, 2021 12:24 pm
Forum: Personal Consumer Issues
Topic: Travel refund to a cancelled Chase Ink card?
Replies: 14
Views: 726

Re: Travel refund to a cancelled Chase Ink card?

I’d suggest asking if the refund can go to a different card (usually not). If not possible, wait a week after the refund is issued to allow full posting and call the card company about the refund with the full card number and refund amount. It was a minor hassle for me but not a real problem. I’d a...
by VictoriaF
Sun Jan 03, 2021 12:16 pm
Forum: Personal Consumer Issues
Topic: Travel refund to a cancelled Chase Ink card?
Replies: 14
Views: 726

Re: Travel refund to a cancelled Chase Ink card?

I just experienced this exact issue a few days ago. I had a flight that I was unable to take because of COVID and it was initially only eligible for flight credit, but 10 months after booking the flight for some reason it is now eligible for a full refund to my original form of payment. The origina...
by VictoriaF
Sun Jan 03, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: Travel refund to a cancelled Chase Ink card?
Replies: 14
Views: 726

Re: Travel refund to a cancelled Chase Ink card?

I’d suggest asking if the refund can go to a different card (usually not). If not possible, wait a week after the refund is issued to allow full posting and call the card company about the refund with the full card number and refund amount. It was a minor hassle for me but not a real problem. I’d a...
by VictoriaF
Sun Jan 03, 2021 12:11 pm
Forum: Personal Consumer Issues
Topic: Travel refund to a cancelled Chase Ink card?
Replies: 14
Views: 726

Re: Travel refund to a cancelled Chase Ink card?

Is there a reason you are cancelling rather than downgrading to an ink cash for no annual fee? I can’t answer your original question, but a downgrade seems to solve it on all fronts - your refund would go to the new downgraded card and you would request a check for the credit via chat This is a goo...
by VictoriaF
Sun Jan 03, 2021 12:09 pm
Forum: Personal Consumer Issues
Topic: Travel refund to a cancelled Chase Ink card?
Replies: 14
Views: 726

Re: Travel refund to a cancelled Chase Ink card?

I want to cancel my Chase Ink Preferred when its annual fee is due in January. I used this card for a non-refundable reservation at an YMCA in NYC in March 2020. Due to COVID, the YMCA switched my reservation to September 2020. Then they switched it to September 2021. Most likely, I'll use my reser...
by VictoriaF
Sat Jan 02, 2021 9:36 am
Forum: Personal Consumer Issues
Topic: Travel refund to a cancelled Chase Ink card?
Replies: 14
Views: 726

Travel refund to a cancelled Chase Ink card?

I want to cancel my Chase Ink Preferred when its annual fee is due in January. I used this card for a non-refundable reservation at an YMCA in NYC in March 2020. Due to COVID, the YMCA switched my reservation to September 2020. Then they switched it to September 2021. Most likely, I'll use my reserv...
by VictoriaF
Sat Jan 02, 2021 9:17 am
Forum: Personal Consumer Issues
Topic: [Is VPN essential for online privacy & security?]
Replies: 55
Views: 3534

Re: Which VPN would you recommend?

MBB_Boy wrote: Fri Jan 01, 2021 6:25 pm
mkc wrote: Thu Dec 31, 2020 3:57 pm We use ProtonVPN
+1
I recently started listening to Michael Bazzell who recommends Proton email and Proton VPN. I am curious:
Are you following his recommendations or decided to use Proton independently?

Victoria
by VictoriaF
Fri Jan 01, 2021 1:13 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

This is a problem. On one hand, I am enjoying my regular schedule and increased productivity. On the other hand, I will resume traveling when it becomes safe. It's not likely to become less frequent, shorter, or less disruptive. There are several events that I attend every year, and stopping these ...
by VictoriaF
Fri Jan 01, 2021 1:00 pm
Forum: Personal Consumer Issues
Topic: Have I Been Overpaying Amazon?
Replies: 98
Views: 7254

Re: Have I Been Overpaying Amazon?

manatee2005 wrote: Thu Dec 31, 2020 7:37 pm Yes you have been overpaying. I would gladly pay the extra $12 not to leave my house and get it delivered.
My logic is the same. Most of my orders are from Amazon and Costco, and I am gladly paying for not having to go anywhere.

Victoria
by VictoriaF
Fri Jan 01, 2021 12:39 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 592
Views: 203488

Re: Forum software upgrade bug reports and change requests

LadyGeek wrote: Fri Jan 01, 2021 12:36 pm Happy New Year, VictoriaF!

Apparently, I was on the wrong track. The modification has been removed. See: excessively long quotes
Responding to the Forum feedback means being on track.

Cheers!
Victoria
by VictoriaF
Fri Jan 01, 2021 12:14 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Contest Round Up:
Replies: 20
Views: 1380

Re: 2020 Bogleheads Contest Round Up:

furwut wrote: Fri Jan 01, 2021 6:19 am
MIretired wrote: Fri Jan 01, 2021 6:02 am Amazing! I feel honored to be picked.
P.S., You are entitled to add 2020 Winner ... to your Bogleheads signature line. Gives all your postings greater weight! :wink:
It works for me.

Congratulations, MIretired! Happy New Year,

Victoria
by VictoriaF
Fri Jan 01, 2021 12:03 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 592
Views: 203488

Re: Forum software upgrade bug reports and change requests

It can get cumbersome when scrolling through posts which contain very long quotes, especially for mobile users. The forum software has been modified to provide scroll bars for long quotes. If someone quotes a long post, that quote will now appear inside a box that has a scoll bar. See: excessively ...
by VictoriaF
Fri Jan 01, 2021 11:22 am
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

COVID has brought new opportunities, too. Here are some things that I started or enhanced after COVID: - joined the Society of Judgment and Decision Making (SJDM), http://www.sjdm.org/ - $50/year - receive SJDM weekly email with announcements of numerous virtual seminars on behavioral science topic...
by VictoriaF
Thu Dec 31, 2020 11:56 am
Forum: Investing - Theory, News & General
Topic: [Where are you investing your "play" money?]
Replies: 64
Views: 6835

Re: sexy money

[After the thread name change, the humor of my original post became irrelevant.]

Victoria
by VictoriaF
Wed Dec 30, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: Personal Life Coach
Replies: 58
Views: 4317

Re: Personal Life Coach

I spend a fair amount of time optimizing my life and would never trust this most important task to another person. In my opinion, reading long-form books, long-form articles, and listening to long podcasts is superior to the snippets of information from social media, news sources, or a coach. I read...
by VictoriaF
Tue Dec 29, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: Is There a "Bogleheads" for Health and Medical Issues
Replies: 31
Views: 2804

Re: Is There a "Bogleheads" for Health and Medical Issues

I subscribe to Peter Attia's site where I have access to the show notes from his podcasts. Attia is a highly-regarded MD who interviews other MDs and PhD with expertise in various fields of medicine and related fields. Site members can post their questions. Attia regularly conducts Ask Me Anything (...