Search found 698 matches

by Almost there
Thu Sep 21, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Applying Online for Age 70 Benefit - Avoiding Retroactive Payments
Replies: 5
Views: 877

Re: Social Security - Applying Online for Age 70 Benefit - Avoiding Retroactive Payments

I applied online for Medicare at age 65 and for Social Security, which is based on my ex, at age 66. Never went to the Social Security office. Everything went smoothly. Received a letter afterwards and I had to send in various documents which were returned 2 weeks later. Next year I will turn 70 and...
by Almost there
Tue Sep 19, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 629
Views: 37374

Re: Equifax customer information leak

F150HD wrote: Did Equifax mail you a confirmation letter with your PIN after you froze your account? (I know PIN is the timestamp but wondered if you still got a USPS letter confirmation) Did Experian or Transunion mail you a confirmation letter with your PIN? I just logged in to Equifax website whe...
by Almost there
Sun Sep 17, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 629
Views: 37374

Re: Equifax customer information leak

F150HD wrote: went to annualcreditreport.com today to get my free annual reports....had not viewed them this year so figured today was as good as any. Was able to view and download Equifax and Transunion but Experian would not work. Stated I have to send in a paper form to request from them. Anyone ...
by Almost there
Sun Sep 17, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 629
Views: 37374

Re: Equifax customer information leak

Received the following email today from Equifax: It is time to take the final steps in enrolling in your free product, TrustedID Premier, by verifying your identity. To do this, you’ll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment proce...
by Almost there
Thu Sep 14, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 763

Re: [ShopRunner] from AMEX

Thank you Heartwood. This is awesome and it gives me a choice.
by Almost there
Thu Sep 14, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 733

Re: AMEX app

Thanks jdb
by Almost there
Thu Sep 14, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 733

Re: AMEX app

Thank you CyclingDuo
by Almost there
Thu Sep 14, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 733

Re: AMEX app

When I went to AMEX' website, it just indicated AMEX app.
Now when I went back in it indicated AMEX mobile app.
by Almost there
Thu Sep 14, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 733

Re: AMEX app

When I received my new AMEX it was suggested that I sign up for their app. Is there a benefit I don't know about?
by Almost there
Thu Sep 14, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 763

Re: [ShopRunner] from AMEX

Thank you for the info.
by Almost there
Thu Sep 14, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 763

Re: RoadRunner from AMEX

Yes indeed I meant ShopRunner.
Just read about RoadRunner and got the two confused.

Sorry about that and thank you for catching my error, Jebmke.
by Almost there
Thu Sep 14, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 733

Re: AMEX app

Not sure what you mean by why did I remove the name of the app?
by Almost there
Thu Sep 14, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 733

AMEX app

AMEX suggested I sign up for their app.
What is the benefit, if any?
by Almost there
Thu Sep 14, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 763

[ShopRunner] from AMEX

Has anyone signed up for this service? It was just offered to me when I received my new AMEX card. From their website: Make online shopping easy with free 2-day shipping & free returns on eligible items at 140+ stores. Min. order may be required. [Fixed thread title to reflect correct name of the se...
by Almost there
Tue Sep 12, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 629
Views: 37374

Re: Equifax customer information leak

Thank you, triceratops, for the link. I just signed up.
So should I also sign up for a credit freeze with the other 3 credit reporting agencies?
by Almost there
Tue Sep 12, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 629
Views: 37374

Re: Equifax customer information leak

I have never used Equifax thus have no pin number. I used Experian in July 2017 and Transunion July 2016.
Wondering what I should do?
by Almost there
Sat Aug 19, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 10396

Re: Anyone planning on never retiring?

4-5 years I felt the same as the OP. Then after I lost my job, I decided to retire and take Social Security. Through close friends of mine I found a very active 55+ retirement community and I am very happy having moved from NJ to AZ. There is so much to do (or perhaps choose not to do). One can keep...
by Almost there
Thu Aug 17, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 48
Views: 5278

Re: Geico insurance rate increase: 26.24% APY?

mickroark wrote:
Try Everquote.com. They will price every carrier all at once for you. I am 65 and as has happened, Nationwide gave me the best quote. Geico I think was second in price.
Has anyone else used everquote?
by Almost there
Wed Aug 16, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Lightning strikes nearby locking up my new smart thermostat
Replies: 12
Views: 1456

Re: Lightning strikes nearby locking up my new smart thermostat

nordsteve wrote:
Can't say enough about having a residential surge suppressor. Mine is from Square D.
Which surge suppressor did you purchase from Square D?
by Almost there
Wed Aug 16, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14546

Re: How far would you travel to see The Eclipse?

Not driving anywhere to see the eclipse.
by Almost there
Wed Aug 16, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 115
Views: 7351

Re: Postal Service -- "informed delivery"

Go for a walk to your mailbox and see it as exercise instead of a nuisance. Change your credit card and utility statements to paperless.
by Almost there
Wed Aug 16, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 4328

Re: Toyota Camry Repair Priorities

pony wrote: Both headlights foggy...3M makes a kit to fix this...its less than $10 and will make your headlights look new again. I don't think many people know about this. What is the name of the product manufactured by 3M? Presently both of my headlights are foggy on my 2004 Camry with 99,000 miles...
by Almost there
Wed Aug 16, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: 30 Year @ 3.875
Replies: 5
Views: 937

Re: 30 Year @ 3.875

Have you considered a 15 year mortgage?
They offer lower rates.
by Almost there
Tue Aug 15, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4467

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Sorry I must have misunderstood your post. sport wrote: This is how I would handle your example. Let's say your RMD is 14K, you want to withhold 2K for taxes, and make a 4K QCD. You could withdraw 8K in January, make the 4K QCD in October (make sure you are past the 70.5 mark) and then make a 2K wit...
by Almost there
Tue Aug 15, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4467

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Kaneohe wrote: The withdrawals seem fine. You could w/h tax on your 10K Jan withdrawal. However be aware that most do the w/h in a later in yr withdrawal. They are penny-pinching so they squeeze the last penny of earnings out of their funds. Basically you are paying taxes earlier that you have too. ...
by Almost there
Tue Aug 15, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4467

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

kaneohe wrote: Almost there wrote: Celia, the way I learned from other Bogleheads is that the QCD has to be taken before any RMD withdrawal. quote] Kaneohe wrote: That is not true...........you can take them in any order. However if you want to withdraw the least from the IRA, then you will make the...
by Almost there
Tue Aug 15, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment Question
Replies: 3
Views: 638

Re: Medicare Enrollment Question

I found the following on the Medicare website: Step 1: Learn about the different parts of Medicare The different parts of Medicare help cover specific services. Medicare Part A (Hospital Insurance) covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home healt...
by Almost there
Fri Aug 11, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4467

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Almost there wrote: Celia, the way I learned from other Bogleheads is that the QCD has to be taken before any RMD withdrawal. quote] Kaneohe wrote: That is not true...........you can take them in any order. However if you want to withdraw the least from the IRA, then you will make the QCD and the r...
by Almost there
Fri Aug 11, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4467

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Celia, the way I learned from other Bogleheads is that the QCD has to be taken before any RMD withdrawal.
by Almost there
Thu Aug 10, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2637

Re: Trip Cancellation Insurance.

Though I purchased my flight through AA, the flight that was cancelled was by Air Berlin. AA originally didn't want anything to do with the cancellation until I pointed out that they not me had chosen that airline. Will never do that again. Live and learn.
by Almost there
Thu Aug 10, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6287

Re: Time to leave our dentist??

boglerdue wrote:
Anyone had good luck, or bad luck, using nextdoor.com for referrals
Yes, I use NextDoor quite a bit as a reference.
by Almost there
Thu Aug 10, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6287

Re: Time to leave our dentist??

After starting with Medicare, I chose Employers Dental Services (EDS0) dental coverage through Principal. (No, I am not working.) There are no deductables, no claim forms, no yearly maximums Cost for a single person is $209.28/year. I have been charged as follows: Office visit: $5.00 (D9431) Cleanin...
by Almost there
Thu Aug 10, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2637

Re: Trip Cancellation Insurance.

Last year I traveled to Germany via American Airlines at a cost of $700. When I got to the airport in Cologne, I saw that my flight to Munich was cancelled with no alternatives given. I went to the Lufthansa counter and purchased a replacement for $400 (one way). After I returned home, contacted AA ...
by Almost there
Sat Aug 05, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11372

Re: Your "at peace" moments.

Marjimmy wrote:
When you pump your gas perfectly on the dollar
Didn't get this until I got gas today and it stopped at $27.00. Thought of you. LOL :D :D :D
by Almost there
Sat Aug 05, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 47
Views: 7176

Re: Best "investment tip" I have gotten from Bogleheads

Tomato Tomatho wrote: Of special interest: Steel cut oatmeal (cooked in water, not milk, if it matters here). How is the quality of the oatmeal, cooking time, and ease of use... especially including cleaning up so it's ready for the next batch. (If anyone has also made oatmeal in a microwave, how do...
by Almost there
Sat Aug 05, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: "8 things you can do year-round to plan for taxes."
Replies: 2
Views: 1227

Re: "8 things you can do year-round to plan for taxes."

Beginning of each year, I start a new folder marked with that year. All documents relevant to income tax are placed into the folder throughout the year. I also start an Excel spreadsheet as to receipts/payments of monthly Social Security, insurance payments, doctor visits etc. (While working, I also...
by Almost there
Tue Aug 01, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11372

Re: Your "at peace" moments.

Prettybogle: I took classes for many years, followed by doing yoga at home right after I get up. Now I occasionally take a class which is offered near my home.

I think at the beginning it's good to take classes. However, you can also buy some CDs and follow their routine.
by Almost there
Tue Aug 01, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11372

Re: Your "at peace" moments.

duplicate
by Almost there
Tue Aug 01, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11372

Re: Your "at peace" moments.

Yoga every morning which for me is a nice way to start the morning. Overwhelmed with feeling well, peaceful and at ease. Pending on what time of day, I see the sunrise and know everything is well with the world for now.
by Almost there
Tue Aug 01, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 43
Views: 3692

Re: Contribution to satisfy RMD

Thank you celia, will follow your advice.
by Almost there
Tue Aug 01, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 43
Views: 3692

Re: Contribution to satisfy RMD

Does anyone know of a chart where I can figure out how much of the RMD should go to QCD keeping me away from going into another tax bracket?
by Almost there
Mon Jul 31, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 43
Views: 3692

Re: Contribution to satisfy RMD

Such interesting subject. Again, I never would have found this information if it wasn't for the Bogleheads. Thanks.

Does anyone know if the QCD also has an effect when filing my AZ state income tax?
by Almost there
Sun Jul 23, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 1973

Re: AnnualCreditReport Equifax

Just tried to obtain my credit report with Experian. They said that they had to check further and I would receive my report number in the mail. Never had that happen in all the years I tried to obtain my credit report.
by Almost there
Sat Jul 22, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted SS Spousal benifit
Replies: 10
Views: 1146

Re: Restricted SS Spousal benifit

I filed for both SS and Medicare online and it was a breeze. Had to sent later the requested paperwork which was returned 2 weeks later. Over the years I would contact SS and not always received correct answers. I trust the online application process which will end for me next year.
by Almost there
Thu Jul 20, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Opinions on "Understanding Medicare" Seminar?
Replies: 3
Views: 517

Re: Opinions on "Understanding Medicare" Seminar?

I visited a Medicare seminar last November. The agent mentioned various plans but a friend in the audience suggested another company after the meeting was over (and I am glad I switched). Saved me $20/month for the same plan. Today I received an email that another Medicare seminar will be held in ou...
by Almost there
Thu Jul 20, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3968

Re: Investing well for Retirement can be frustrating

OP, you are on the right course. I am happy I retired when I did and have saved for the past 20 years (after my divorce) as a single person every raise and am now benefitting from it. A couple of weeks ago I looked over my Excel worksheet where I listed all the money I invested for the past 20 years...
by Almost there
Tue Jul 18, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Inc magazine
Replies: 6
Views: 604

Re: Inc magazine

Thanks. Will keep it for future reference.
BTW, Inc. Magazine was not listed in the AA site.