Search found 464 matches

by AAA
Tue Feb 09, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Move 1M from 401k at 59 ½ ?
Replies: 17
Views: 2082

Re: Move 1M from 401k at 59 ½ ?

I did a direct rollover of part of my 401K to Vanguard last year. It was easy to do - just a phone call to my 401K custodian after getting the appropriate addresseses from Vanguard. In fact, Vanguard offered to do a conference call with the custodian. The only issue was that it did take a while for ...
by AAA
Fri Feb 05, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 134
Views: 11480

Re: Large amount of CDs maturing....what to do?

Currently the rate on the Ally 4-year raise your rate CD is only 1.40%. That's a huge yield sacrifice compared to the 2.50% or more that you can easily get on a 5-year CD at a couple of credit unions we've been discussing. Consider how much rates would have to increase for the raise your rate CD to...
by AAA
Fri Feb 05, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Wet iPhone and Fidelity AmEx
Replies: 7
Views: 1063

Re: Wet iPhone and Fidelity AmEx

It's surprising that the phone was ruined that way. A few years ago, my son lost his cheap flip phone during the winter. When spring came and the more than one foot of snow finally cleared from our lawn, there was his phone sitting on the grass. We let it dry out and it worked just fine.
by AAA
Fri Feb 05, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 134
Views: 11480

Re: Large amount of CDs maturing....what to do?

Haven't read all the replies so don't know if it's been mentioned, but Ally Bank for one has "raise your rate" CD's. The starting rate may be lower than otherwise for the term of the CD, but there is the opportunity to raise the rate once (or twice depending on the term). Just one way to h...
by AAA
Sun Jan 31, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and Insurer communication
Replies: 4
Views: 387

Re: HSA and Insurer communication

Had a similar experience when my Bank of America HSA balance showed up along with my 401(K) balance on Merrill Lynch's website. Bank of America acquired Merrill Lynch.
by AAA
Thu Jan 28, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Q 529 form - did I exceed qualified expenses?
Replies: 24
Views: 878

Re: 1099-Q 529 form - did I exceed qualified expenses?

Leesbro63 wrote:I'd also keep records on room and board. Especially if your kid lives offcampus.


Be advised that there is a limit to the amount of off-campus room and board that qualifies. The college financial aid office should be able to give you this figure, which changes every year.
by AAA
Thu Jan 28, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: File taxes via mail or electronically
Replies: 75
Views: 4065

Re: File taxes via mail or electronically

I've never had a problem with paper filing. I don't e-file for two reasons. First, as already mentioned, I don't want my personal information sitting on someone's server, out of my control. Second, I like to see exactly what is being submitted. Can you do that with e-filing? Also, when I have done m...
by AAA
Thu Jan 28, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: 1099-Q 529 form - did I exceed qualified expenses?
Replies: 24
Views: 878

Re: 1099-Q 529 form - did I exceed qualified expenses?

The first year I had to deal with this it was very confusing trying to match up the amounts on the various forms because, as mentioned, they could be out of sync. As I was certain that all of my 529 withdrawals were for qualified expenses, hence not taxable and therefore the amounts on the 1099-Q di...
by AAA
Fri Jan 22, 2016 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 77
Views: 4992

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

I started using TT a few years ago after H&R's former program (Tax Cut?) was no longer available for the Mac. But there have been disturbing trends with TT. First, a few years ago, they made a change so that the program could only be used to print one return. Previously, I had done returns for m...
by AAA
Thu Jan 14, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Earnings Test for Social Security
Replies: 2
Views: 506

Re: Earnings Test for Social Security

Okay, that's what I wanted to know - the income tax is calculated only on total amounts for the year. The earnings test is between me and the Soc. Sec. administration and they should know when I stopped working and started collecting.
by AAA
Thu Jan 14, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Earnings Test for Social Security
Replies: 2
Views: 506

Earnings Test for Social Security

I'm still a bit confused about this. I retired in 2015, working through the end of February. I started Soc. Sec. in March, meaning the first check was received in April. I know there is a special exemption for previous earnings if you retire and start Soc. Sec. mid-year but am trying to anticipate h...
by AAA
Wed Jan 13, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Lima, Peru advice
Replies: 23
Views: 1941

Re: Lima, Peru advice

I was there over 30 years ago. At that time, our tour guide warned us about crime and indeed one of the travelers had a necklace snatched from her. I am wondering if things have changed.
by AAA
Sat Jan 09, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 74
Views: 5227

Re: Amazon Prime Shipping Issues since move from UPS to USPS

Amazon Prime has started to ship using the USPS versus UPS over the past few weeks - at least in my area. If there were just problems in the past few weeks, it could be due to temporary employees hired for the holiday season. We had a delivery from another vendor at the end of December, using a dif...
by AAA
Tue Jan 05, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Question - New to HSA
Replies: 18
Views: 941

Re: Question - New to HSA

You say "just sitting there" but many HSA accounts pay some interest on the funds. Do you know if yours does?

To only contribute when you have a medical expense seems overly complicated to me.
by AAA
Thu Dec 31, 2015 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2015 tax software 50% off
Replies: 16
Views: 1949

Re: H&R Block 2015 tax software 50% off

My experience - received an email from H&R with a 50% off discount code for switching to them last year. Went to order the download from their site and the code didn't work. Their customer service rep was good about it - I placed the order for the full amount while they were on the phone with me...
by AAA
Mon Dec 28, 2015 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 32
Views: 2587

Re: Vanguard Account Upgrade BROKEN; wrong MMF

Anyhow, we had check writing for the Prime MM settlement fund when it was outside of the brokerage account. We found out that we had to re-establish check writing for the same fund after it was moved into brokerage. And that's done by paper and snail mail. I don't understand why they couldn't just ...
by AAA
Mon Dec 28, 2015 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 32
Views: 2587

Re: Vanguard Account Upgrade BROKEN; wrong MMF

Here's my experience doing the account structure change. Apparently, Vanguard is rolling this out by invitation. An email was received with a deadline date in early January for the conversion. The problem is that four of us use the same email address and the email was not addressed to a particular p...
by AAA
Thu Dec 24, 2015 6:02 pm
Forum: Personal Consumer Issues
Topic: Scanning Film Negatives
Replies: 14
Views: 1005

Re: Scanning Film Negatives

I'm not sure of your terminology. No color correction does not necessarily imply raw tiff files, which will be very large. They could presumably produce high quality JPEGS without color correction. And if your goal is archival preservation, aren't the slides themselves the best thing for that? You c...
by AAA
Thu Dec 24, 2015 4:42 am
Forum: Personal Consumer Issues
Topic: Probably A Dumb Question [Put tennis shoes in dryer?]
Replies: 35
Views: 2791

Re: Probably A Dumb Question

Best to contact the manufacturer and ask them. Modern sneakers use all kinds of materials and putting them in the dryer could damage them.
by AAA
Mon Dec 21, 2015 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Disputing medical bill from doctor
Replies: 14
Views: 1576

Re: Disputing medical bill from doctor

Any possibility you can prove you were out of town or somewhere else at either of the times he is claiming you were in his office? Do they usually collect payment during the visit? If so, then why wouldn't they have done that if you were there? Otherwise, sounds like he may not be able to prove you ...
by AAA
Mon Dec 14, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: Ebay issues - non-paying buyer
Replies: 9
Views: 1344

Re: Ebay issues - non-paying buyer

I am reluctant to sell any item of significant cost on eBay these days. Their policies in recent years have strongly favored the buyer over the seller. I've read stories where unscrupulous buyers claimed an item was defective or not as described and eBay refunded the buyer from the seller's Paypal p...
by AAA
Mon Dec 14, 2015 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm: Medicare coverage
Replies: 39
Views: 2263

Re: Please confirm: Medicare coverage

Are you aware that under the original Medicare that you have there is no annual out-of-pocket limit for expenses?
by AAA
Thu Dec 10, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Feeling penny-wise and pound-foolish
Replies: 30
Views: 3668

Re: Feeling penny-wise and pound-foolish

That's funny because I have the same thoughts sometimes. So I'll go to the trouble to for instance sell something on eBay to make $20 to $30 dollars then go shop at Whole Foods and drop $80 or more, or look at what my cell phone bill comes to for the year. So why did I bother? My answer is that look...
by AAA
Tue Dec 08, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Quadcopter (drone) experience/recommendation
Replies: 26
Views: 1431

Re: Quadcopter (drone) experience/recommendation

Rainier wrote:Drones are banned in US National Parks, just an FYI.


That's what I meant about having some idea of where you would actually use the thing.
by AAA
Tue Dec 08, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Quadcopter (drone) experience/recommendation
Replies: 26
Views: 1431

Re: Quadcopter (drone) experience/recommendation

I bought one of the cheaper ($50) toy models to get started. It was kind of fun for a while. The video and still images are horrible, but that was expected. I planned on graduating to one of the more professional models but have not done so for two reasons: 1. Part of the purchase justification woul...
by AAA
Sun Dec 06, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard transaction alert emails
Replies: 6
Views: 457

Re: Vanguard transaction alert emails

House Blend: I was referring exactly to what the OP was talking about. I have "Account Activity Alerts" activated and I get emails for transactions (automated and those I initiate) exactly as I described with no specific transaction information. I can assure you that I got an email statin...
by AAA
Sun Dec 06, 2015 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard transaction alert emails
Replies: 6
Views: 457

Vanguard transaction alert emails

My account is set up to send me an email if a transaction was initiated. So for example it would say Fund A was exchanged for Fund B and show the dollar amount. I contacted Vanguard, through my account's secure email, to express my concern about the amount of information in the email. I know, for in...
by AAA
Thu Dec 03, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Mom's unsafe browsing -- how to protect her accounts
Replies: 65
Views: 7538

Re: Mom keeps phished -- how to protect her accounts

I ask these questions because I don't trust Google. I don't want passwords that I enter somehow ending up in their "cloud." Interesting. Is that because of something in particular about Google? Or do you avoid all online passwords? Well, I don't trust Google in particular based on what I'...
by AAA
Tue Dec 01, 2015 8:49 pm
Forum: Personal Consumer Issues
Topic: Mom's unsafe browsing -- how to protect her accounts
Replies: 65
Views: 7538

Re: Mom keeps phished -- how to protect her accounts

Yes, get her a chromebook or a chromebox. They are MUCH safer to use for web browsing than other computers. https://www.youtube.com/watch?v=U1bzZRxesoQ I never paid any attention to Chromebooks until I read this forum thread. It's sounding attractive to have a low cost machine dedicated just to fin...
by AAA
Sun Nov 29, 2015 6:01 pm
Forum: Personal Consumer Issues
Topic: Giving out VIN on old car for sale?
Replies: 8
Views: 1185

Re: Giving out VIN on old car for sale?

Now that the OP has got his question answered, if I may ask a related one -

When people put up lenses for sale, especially expensive ones, I've noticed some reluctance to give out the serial number. Any different considerations there?
by AAA
Fri Nov 20, 2015 11:04 am
Forum: Personal Consumer Issues
Topic: Photo Storage Options
Replies: 16
Views: 1099

Re: Photo Storage Options

Personally, I wouldn't trust any cloud-based service except as a backup, and I'm wondering why you are looking for an alternative to an external hard drive. They are fast, relatively cheap and under your control. A quick search shows 2 TB ones available for < $80. A professional photographer might h...
by AAA
Thu Nov 19, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 53
Views: 4589

Re: Dental Insurance

toofache32 wrote:I thought that the listed prices were just the patient's portion with the insurance paying the difference, but you might be correct that this is the full price the dentist gets.


It does say "You Pay."
by AAA
Wed Nov 18, 2015 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 53
Views: 4589

Re: Dental Insurance

Thanks for the discussion so far but I'm still confused. Since people are asking about the specify plan I mentioned, here is the link - all I did was enter a PA zip code and said the policy is for one person: https://www.deltadentalins.com/indEnroll/plans/72148?zip=19380&county=CHESTER&eff=1...
by AAA
Tue Nov 17, 2015 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 53
Views: 4589

Re: Dental Insurance

You do need to read the fine print on these policies. Generally the insurance company will have a maximum amount they will pay per year. In addition, you may only be able to get 1 crown (or root canal) per year (or every two years or even every five years). The insurance company may also limit the ...
by AAA
Tue Nov 17, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 53
Views: 4589

Re: Dental Insurance

Does your dentist accept this specific Delta insurance plan? If not can you find one who does? Will the dentist accept the Delta payment as full payment or will they balance bill your for the remainder? Personally I have experienced a wide range in competency among dentists. Having found one that I...
by AAA
Mon Nov 16, 2015 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 53
Views: 4589

Dental Insurance

I know there have been many posts on dental insurance and the general consensus seems to be that it's barely worth it. I've not purchased any since retiring but am again looking around. So Delta Dental has this plan with the following provisions: Deductible per calendar year per person: $0 Maximum p...
by AAA
Thu Nov 12, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: HSA Employee + Employer Contribution Limit
Replies: 6
Views: 355

Re: HSA Employee + Employer Contribution Limit

The employer contribution counts toward the allowable limit.
by AAA
Sat Nov 07, 2015 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is it ever good to sign up late for Medicare?
Replies: 11
Views: 1114

Re: Is it ever good to sign up late for Medicare?

tadamsmar wrote:Is there any reason to delay signing up for Part A only?


Yes there is, even though it's free, if the person is currently in a high deductible health plan with an HSA. You cannot contribute to an HSA if you are on Medicare.
by AAA
Fri Nov 06, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Psych (outpatient) coverage: Medicare or ??
Replies: 6
Views: 615

Re: Psych (outpatient) coverage: Medicare or ??

I believe Medicare considers such visits to be qualified for coverage but only for providers with certain listed credentials. A Medicare Advantage plan could provide coverage for a wider range of credentialed providers.
by AAA
Fri Nov 06, 2015 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Question about HSA reimbursements
Replies: 13
Views: 817

Re: Question about HSA reimbursements

For my HSA with Bank of America, I need to enter just a few pieces of information such as the type of expense, name of provider and RANGE of dates to get reimbursements. Thus I can do multiple items in one shot by entering a total amount. The form, as such, is very easy. My spouse just opened an HSA...
by AAA
Mon Oct 19, 2015 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is Leasing a car not frugal but a good idea?
Replies: 88
Views: 8651

Re: Is Leasing a car not frugal but a good idea?

I've been looking at 2 year used cars between the 22k - 32k range (i'd pay cash) but such used cars are close in price terms to new cars =/ (the savings are about 2k instead of the depreciation cost of the car for the first 2 years) I think that sometimes the used car warranties are better than the...
by AAA
Fri Oct 16, 2015 7:43 am
Forum: Personal Consumer Issues
Topic: Progressive lenses for eyeglasses if you want clarity above all
Replies: 77
Views: 4989

Re: Progressive lenses for eyeglasses if you want clarity above all

I tried progressives 10-15 years ago. I don't know if things have changed since then. The problem was that the closer you need to focus the narrower the area of the lenses that is used. I gave up on them and went with trifocals. You get a nice big area of the lenses for near, intermediate and distan...
by AAA
Mon Oct 12, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: A New Reason for Delaying SS
Replies: 76
Views: 8667

Re: A New Reason for Delaying SS

i don't know if this makes sense or not, but one way to look at it (using rounded numbers)... if i wait til 70 i will get an extra 1k a month in social security as opposed to starting at 62. to get another 1k a month i'd have to spend 200k on a spia. and thats not inflation adjusted. i think keepin...
by AAA
Mon Oct 12, 2015 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Is 20% REITs too high?
Replies: 26
Views: 3065

Re: Is 20% REITs too high?

If you own a house, then you have already "invested" a fair amount in RE, no?
by AAA
Sun Oct 11, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: No raises and 10% pay cut at Megacorp
Replies: 36
Views: 5312

Re: No raises and 10% pay cut at Megacorp

Your company is either: -In financial trouble of some kind -Employing people in fields that aren't in demand in the job market -Being taken over by bean counters of the worst kind. In any event, I'd start looking for employment elsewhere. It seems today that many (most?) large companies fall into t...
by AAA
Fri Oct 09, 2015 5:50 pm
Forum: Personal Consumer Issues
Topic: Bank transfer to someone else's account
Replies: 21
Views: 1807

Re: Bank transfer to someone else's account

If you are nervous about sending it in paper mail, you could send it certified mail or the most secure - registered mail. The latter may cost you about $10 if my memory is correct.
by AAA
Wed Oct 07, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Freeze Credit vs Credit Score
Replies: 5
Views: 434

Re: Freeze Credit vs Credit Score

Along these lines, I want to open an HSA account at a credit union and they say they check one of the credit bureau reports as part of the application process. I am not applying for credit, I am applying to deposit money at their institution. When I raised these points they just said that's what the...
by AAA
Sun Sep 27, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct -Changing Bank Account Info
Replies: 27
Views: 3438

Re: Treasury Direct -Changing Bank Account Info

3504PIR wrote:There is a lot wrong with it. What do you hope to accomplish by posting it here? Serious question.


Serious answer - sharing of information that may be relevant to others.

Serious question - what did you hope to accomplish with your post?
by AAA
Wed Sep 23, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: dumb question: if i have a credit freezes going is there any reason to do annual credit report checking?
Replies: 32
Views: 2277

Re: dumb question: if i have a credit freezes going is there any reason to do annual credit report checking?

I seem to recall that after I froze my credit files and later tried to get an annual report, it didn't let me do it online (because the files were frozen). I had to submit some items by mail and haven't tried again in a few years. Is that still the case or is it easy to do online now? I probably sho...
by AAA
Mon Sep 21, 2015 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Using HSA for medical premiums
Replies: 7
Views: 817

Re: Using HSA for medical premiums

Thanks all - I feel confident to do that now.

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