Search found 612 matches

by Almost there
Sun May 28, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 2766

Re: Medigap Insurance Plans

Keeping people in the dark and one shouldn't be allowed to think which Plan one chooses. Very sad.
by Almost there
Sun May 28, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 2766

Re: Medigap Insurance Plans

my name wrote: Examples in my state. The big insurer, bc/bs, has no underwriting if joining or switching to a new Medigap plan as long as you have had credible coverage. Their application has no medical questions. Another, Aetna, has underwriting if you upgrade or downgrade to their own N plan. Plan...
by Almost there
Tue May 23, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 122
Views: 9176

Re: What to do with all these passwords ?

What do I do? I encrypt my passwords.
by Almost there
Tue May 23, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 2766

Re: Medigap Insurance Plans

Thank you Zott for the internet connection to: https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx That was quite helpful. Last December I changed from United Healthcare to Aetna. Aetna offered Plan N for $23 less. Though I stayed with Plan N, I had to undergo underwriting in December 2...
by Almost there
Thu May 18, 2017 7:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 238
Views: 39144

Re: Roll Call for the Retirement Class of 2015!

WOW. Feel left out. Never came across this posting in 2015 when I retired!

Please allow me to join in 2017. And yes, I am still retired and enjoying every minute of it.
by Almost there
Tue May 16, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Any disadvantage to changing MediGap carriers?
Replies: 5
Views: 556

Re: Any disadvantage to changing MediGap carriers?

I stayed with the same Plan N and went through underwriting because I changed carriers.
by Almost there
Tue May 16, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any disadvantage to changing MediGap carriers?
Replies: 5
Views: 556

Re: Any disadvantage to changing MediGap carriers?

Myopic squirrel wrote: Received an e-mail from my wife's MediGap carrier (Aetna) that her premium will be increasing $21 @ month ($252 annually) in June - her 1st year anniversary. If we can find another comparable company with 1. the same coverage for less (and I don't know how much of a savings an...
by Almost there
Sun May 14, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

Re: RMD in 2018

Thank you Sport.
I will be 70 in April 2018 and will start my RMDs in 2018.
Thank you for letting me know about the Roth conversion.
by Almost there
Sun May 14, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

Re: RMD in 2018

Celia wrote: In addition, if you should be doing Roth conversions this year, you can't do them until you take your RMD for this year. I will be 70 yo in 2018 and will be taking my RMDs for the year in 2018. Now if I don't need part of the RMD, instead of transferring it to my taxable account at VG, ...
by Almost there
Mon May 08, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: When spousal benefits stop
Replies: 14
Views: 2461

Re: When spousal benefits stop

I am still looking for a Boglehead who has gone through this process changing from spousal benefits to your own using the Social Security site, so I will know what to anticipate.
by Almost there
Mon May 01, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: When spousal benefits stop
Replies: 14
Views: 2461

Re: When spousal benefits stop

Thank you RetiredinKaty. You made some really good points. The letter I received mentions that it can be done. Will just have to wait and see.
by Almost there
Mon May 01, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: When spousal benefits stop
Replies: 14
Views: 2461

Re: When spousal benefits stop

Thank you everyone for your input though I still haven't heard from someone who did it online. Since I will turn 70 in April, i will try their website again in January 2018.
by Almost there
Mon May 01, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: When spousal benefits stop
Replies: 14
Views: 2461

Re: When spousal benefits stop

Thank you ResearchMed for your info. I did this a short time ago, and next month receive my first "own" SS benefit check. About 3 months ago, I just phoned to ask how to start the transition process, making sure to emphasize that I didn't want anything backdated... just my own benefits to ...
by Almost there
Sun Apr 30, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: When spousal benefits stop
Replies: 14
Views: 2461

Re: When spousal benefits stop

Thank you. Did you call from home? Do you know if it can be done on their website since I applied for spousal support right on their website?
by Almost there
Sun Apr 30, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: When spousal benefits stop
Replies: 14
Views: 2461

When spousal benefits stop

I have been receiving spousal benefits for the past 3 years and my last month will be April 2018 when I turn 70. In May 2018, I will start receiving social security based on my own record. Today I received a letter from SS stating that I have to apply for my own social security online based on my ow...
by Almost there
Wed Apr 05, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2223

Re: Boglehead and iphone

Right now it is working. Not sure what happened.
by Almost there
Sun Apr 02, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Pay ibonds taxes on interest now or later?
Replies: 23
Views: 1624

Re: Pay ibonds taxes on interest now or later?

8 E bonds were given to me with a maturity date of 2022. I cashed in 4 bonds in 2016 and 4 in 2017 (received approx. $6,000 each time). I didn't have to pay any federal or state taxes since I live on Social Security and this didn't put me over the top. I cashed them in early since I will start RMD i...
by Almost there
Thu Mar 30, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3575

Re: Do I need new tires?

Picked up three pennies this week. Never had a problem doing that. Saw my parents doing it too.
by Almost there
Thu Mar 30, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2223

Re: Boglehead and iphone

Bluebolt: yes I do click on remember me every time.
by Almost there
Wed Mar 29, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2223

Re: Boglehead and iphone

Oh I found it!!!! :D :D :D
It says Private on the bottom left.

But it seems it is better when the Private button is ON instead of OFF.
So this is why I have to type in my name and password every time? But then why not for the other websites, i.e. Yahoo and Google?
Please help me understand that.
by Almost there
Wed Mar 29, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2223

Re: Boglehead and iphone

My phone looks differently and I took a picture of it. How do I add the picture? Which button do I choose?
by Almost there
Wed Mar 29, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3575

Re: Do I need new tires?

Phineas, I have always used a dime.
by Almost there
Wed Mar 29, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2223

Re: Boglehead and iphone

bluebolt:
I click on the bottom of the iPhone page, Mail, and it brings me to both Yahoo and Google email accounts.
by Almost there
Wed Mar 29, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2223

Re: Boglehead and iphone

I clicked on the website you had posted and it told me to click on safari and private. When I click on Safari, I see icons for Apple, Google and Yahoo. Now what?
by Almost there
Wed Mar 29, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2223

Re: Boglehead and iphone

Bluebolt:
When I receive an email from Bogleheads, I click on the website to read the message. I use yahoo which was set up by Verizon.
Is it better to be in private browsing?
by Almost there
Wed Mar 29, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2223

Re: Boglehead and iphone

Whaleknives:
I don't have a specific security setting, so don't have to sign in to access my phone.

Bluebolt:
I don't know what private browsing code means. I know when I go to my yahoo or google account I don't have to sign in every time.
by Almost there
Wed Mar 29, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Boglehead and iphone
Replies: 23
Views: 2223

Boglehead and iphone

When I receive a message from the Bogleheads that a reply was added to a posting, I always have to log into my iPhone to retrieve the message. Though I have logged in before and marked it to save my log in info, it still does not remember it (though it works fine on my Dell computer). Can someone gi...
by Almost there
Wed Mar 29, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3575

Re: Do I need new tires?

I live south of Phoenix and just purchased 4 new tires. The main reasons I chose to purchase new tires were for safety and reliability. Also, what if you are in an accident pointing to bad tire performance? I have 100K miles on my 2004 Camry and will continue driving it as long as possible and also ...
by Almost there
Tue Mar 28, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

RMD in 2018

Celia. Thanks for mentioning the RMD link in Vanguard. I will check it out after I get home.
by Almost there
Tue Mar 28, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 6437

Re: What's your strategy for withdrawing funds in Retirement ?

Toons I hope you know RMDs have nothing to do whether you want to do it or not, but the IRS requires it.
by Almost there
Mon Mar 27, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

Re: RMD in 2018

Thank you Sport for clearing this up for me:

When you take your RMD, you can have federal taxes (and income taxes for some, but not all states) withheld by Vanguard. If you have enough withheld, you will not need to file quarterly estimates.
by Almost there
Mon Mar 27, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

Re: RMD in 2018

Thank you celia for your input: Don't forget that for this dummy tax return, include ALL your income for the tax year. The RMD will be taxed on top of all your other income. When you get done, print it out and write "sample" over it so you don't mail it in. Look at line 43, Taxable Income,...
by Almost there
Mon Mar 27, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

RMD in 2018

Spirit Rider wrote: It isn't that withdrawing just at the end of the year avoids the need for paying estimated taxes. Withholding from the RMDs do that no matter when they are taken. Taking them at the end of the year just enables flexibility. This takes advantage of the fact that withholding is tre...
by Almost there
Mon Mar 27, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

RMD in 2018

Sorry. I didn't mean to confuse anyone. I will be 70 in 2018 and am planning to take my RMD in 2018 just wondering when? Iwill need to withdraw funds since I won't be able to just live off Social Security. I also started to do a test run on HR Block for my federal income taxes. I will enter my Socia...
by Almost there
Sun Mar 26, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

RMD in 2018

Thank you everyone for your answers. I will turn 70 in April and perhaps start my withdrawals in January 2018. Please note that I found an old BH posting answer by Taylor which I can't quite understand: by Taylor Larimore » Sun Jan 18, 2015 3:46 pm Dragonfly wrote: I turn 70 1/2 in 2015, and will be...
by Almost there
Sun Mar 26, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3317

RMD in 2018

Will have to start my RMD in 2018. Please let me know if I should be withdrawing monthly, quarterly etc. from Vanguard? This brings me to three questions: 1. Where do I put the excess money that is not needed? Savings or back to one of the cash funds (Total Stock or Non-exempt bond fund) in VG? 2. W...
by Almost there
Fri Mar 17, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: Would like comments on this Roth Conversion quote.
Replies: 30
Views: 2561

Re: Would like comments on this Roth Conversion quote.

My friend wants to do an IRA to Roth IRA conversion. Can it still be done now for ty2016?
by Almost there
Fri Mar 10, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: Grandchildren receiving insurance money
Replies: 5
Views: 710

Re: Grandchildren receiving insurance money

Thank you for everyone's input. I will discuss it with the mother. Kenkat wrote: Insurance payouts are typically tax free. If the trust paid interest on the amount held, that is taxable. Thank you for the interest update. I will ask her to look into it. I also asked her to contact the state and requ...
by Almost there
Fri Mar 10, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: Grandchildren receiving insurance money
Replies: 5
Views: 710

Grandchildren receiving insurance money

My twin granddaughters will receive $55,000 each on their 18th birthday next month. This money has been held in trust for them for the past 16 years by the state of New Jersey and came from an insurance pay out. They will graduate from high school in 2018. Though their mother is not at all knowledge...
by Almost there
Mon Mar 06, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: INC magazine, March 2017
Replies: 0
Views: 281

INC magazine, March 2017

A great article this month written By Kathy Kristof: "Saving for your future isn't quick. But with these tips, it can be easy." Though there wasn't much new stuff there for regular Bogleheads, but new members might learn a lot in addition to what they learn here. One of the topics was: &qu...
by Almost there
Tue Feb 28, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 5830

Re: Pre-retirement checklist, what is on yours?

Be sure to sign up for Medicare 3 months before turning 65 and also for a drug plan unless you choose Medicare Advantage. (which includes a drug plan).

Sign up for Social Security at Full Retirement Age or wait until you turn 70, so your retirement funds can continue to grow at 8.1% per year.
by Almost there
Tue Feb 28, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 5830

Re: Pre-retirement checklist, what is on yours?

Remembering to sign up for Medicare 3 months before turning 65 or else you will have to pay a penalty. In addition, be sure you sign up for a drug plan unless you choose Medicare Advantage.

I signed up for Social Security a year later.
by Almost there
Tue Feb 28, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Give Our Son a Down Payment
Replies: 18
Views: 2605

Re: Best Way to Give Our Son a Down Payment

Do you have any Roth IRA? Then there wouldn't be any tax implications.
by Almost there
Tue Feb 28, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Correct amounts while filing income tax
Replies: 2
Views: 313

Correct amounts while filing income tax

In October 2015, my friend and I moved from New Jersey and bought a house in Arizona (50% each). Our house in NJ was sold in February 2016. It might be redundant questions, however, I just want to be sure I am filling out the forms correctly when filing income tax: Federal the following info to be e...
by Almost there
Sun Feb 26, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: VG form: Assets by state
Replies: 5
Views: 516

Re: VG form: Assets by state

Thanks HueyLD.

Made me smile.
by Almost there
Sun Feb 26, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software problem
Replies: 21
Views: 1232

Re: H&R Block software problem

Contacted H&R this morning. They gave us a new link to the state version. Now it is working fine.
Thanking everyone who gave their input.

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