Search found 750 matches

by Almost there
Wed Jan 03, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15599

Re: Do people still use AAA?

Hogan773 wrote: I am laughing at myself because while I am obsessing about cancelling AAA and replacing with combo of something else and maybe joining AARP all to save about 50 to 60 bucks per year, last night I paid 140 bucks for takeout Thai food for my extended family for a single dinner and I ha...
by Almost there
Wed Jan 03, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15599

Re: Do people still use AAA?

sport wrote: The poster I was responding to said that they had left the lights on and drained their relatively new battery. In that case, all that was needed was a "jump start". Even so, AAA suggested they replace the battery. So, IMO, that is unreasonable. Yes, I just needed a jump start and it was...
by Almost there
Wed Jan 03, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: 10 Year Anniversary
Replies: 3
Views: 447

Re: 10 Year Anniversary

Well thank you, but a happy, healthy retirement with enough money is truly more important to me.
by Almost there
Wed Jan 03, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: 10 Year Anniversary
Replies: 3
Views: 447

10 Year Anniversary

Today is my 10 Year Anniversary with Bogleheads. I will be forever grateful to the man who directed me to this website. I also want to thank all the people who have helped me with so many issues during the past 10 years. Thanks to you, I have learned quite a bit about finances and have a retirement ...
by Almost there
Thu Dec 28, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15599

Re: Do people still use AAA?

Just as I was renewing my AAA membership, I drove into town and went to a store. When I returned to the car, it wouldn't start and I had to call AAA. (I had left the lights on. :oops:) AAA told me that I could buy their battery, but I felt I was still good since my battery was just 2 years old with ...
by Almost there
Sat Dec 23, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Recent Updates
Replies: 22
Views: 3485

Re: Windows 10 Recent Updates

I did an update about 6 weeks ago which took forever. After that I turned the computer off. When I turned the computer back on the next day, it took basically all day to upgrade once again. Since then the software hasn't felt right. Little things started cropping up: one day all my typing was in cap...
by Almost there
Sat Dec 23, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 242
Views: 15599

Re: Do people still use AAA?

Just paid our membership for 2018. Used it three times in 2017 (flat tire, battery problem and alternator broke). My 2004 Camry truly hasn't had any problems, so this year was just worse since my car turned over to 100,000 miles. We use both AARP and AAA regularly when making hotel reservations, so ...
by Almost there
Sat Dec 23, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Medicare Medical Insurance
Replies: 21
Views: 1319

Re: Medicare Medical Insurance

Mouses wrote: You have perhaps not noticed that you have been prepaying Medicare from each of your paychecks for decades. It is not some free gift regardless of what the current premium is and regardless of what certain individuals who shall be otherwise unidentified say. Not quite sure why you made...
by Almost there
Thu Dec 21, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Tax bracket
Replies: 9
Views: 2004

Re: Tax bracket

jebmke wrote: no, they are loosely used to determine tax liability based on taxable income from line 43. Caveat: you would need to re-calculate your taxable income based on the new rules AND, if you have qualified dividends and/or long term capital gain you need to use a separate worksheet to calcul...
by Almost there
Thu Dec 21, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Tax bracket
Replies: 9
Views: 2004

Tax bracket

Please help me understand what I just read about the 2018 tax brackets and their impact on the taxes I pay.
Are the tax brackets based on AGI, line 37 on the 1040?
by Almost there
Sun Dec 17, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Medicare Medical Insurance
Replies: 21
Views: 1319

Re: Medicare Medical Insurance

Broken Man 1999 wrote: Mine increased to $134/month also. Many of us were shielded from a raise in Medicare last tear because there was no raise in SS. Now that we received a raise, albeit small, the piper must be paid. After my 2% SS raise, and after my new Medicare premium increase, I will net $24...
by Almost there
Sun Dec 17, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Medicare Medical Insurance
Replies: 21
Views: 1319

Medicare Medical Insurance

Just received a letter from Medicare stating my New Benefit Amount for 2018. Was very surprised to see that my Medicare medical insurance went from $108 to $134. What happened? Did everyone else's Medicare medical insurance also rise?
by Almost there
Fri Dec 15, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

Earl Lemongrab wrote:
Well in the way these things go, yesterday I received a disk in the mail from Block. Free Deluxe/State with free efile for each.
I'm jealous but also happy for you. I have been purchasing it for many years from Amazon, though never directly from J&R Block.
by Almost there
Fri Dec 15, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Doorfront Direct
Replies: 2
Views: 551

Doorfront Direct

In our community, everyone is given a mailbox for their mail. Today my monthly magazine was delivered to my front door. The subscription included information about Doorfront Direct. They indicated, that magazines and catalogs, instead of coming through the postal service, will now be deliveref to my...
by Almost there
Thu Dec 14, 2017 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Order Confirmation
Replies: 0
Views: 275

Vanguard Order Confirmation

Just authorized a fund transfer to my checking account. Next day I received an order confirmation which just detailed amount of money, shares transacted and share price. However, it no longer indicates the total number of shares, previous total shares owned, and total funds now in my account. On the...
by Almost there
Thu Dec 07, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3646

Re: Best solution for digitizing documents?

How long does one keep scanned documents? For example: 1. Back in 2009 I transferred funds from Fidelity to Vanguard 2. Back in 2010, my employers changed from Mass Mutual to Principal for the 401(K). Then later in the year, I left the company and transferred all funds to Vanguard. I do have an Exce...
by Almost there
Wed Nov 29, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

Without the state version.
by Almost there
Wed Nov 29, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

Monster99 wrote:
Great price! Just called HR Block and they price matched my purchase last week to the Amazon price, and saved me 10 bucks....
We purchased HR Block disk at $32 from Amazon last week. Does anyone know whether I can get money back from Amazon for overpayment?
by Almost there
Wed Nov 29, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

Thanks. Awesome deal. We ordered a couple of days ago. Certainly the best and lowest price so far.
by Almost there
Sat Nov 25, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

Just went to Amazon to download the software. Please be advised that the downloaded software can only be used on one computer.
by Almost there
Thu Nov 23, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

I just went to: hrblock.com and the deluxe was $27.48.
by Almost there
Wed Nov 22, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

ICMoney: how did you receive the offer?
Via email or their website?
by Almost there
Wed Nov 22, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

Does it include state?
by Almost there
Tue Nov 21, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: RMD and taxes
Replies: 16
Views: 1957

Re: RMD and taxes

Thank you Wabbott for this info.
by Almost there
Mon Nov 20, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and taxes
Replies: 16
Views: 1957

Re: RMD and taxes

Thank you clydewolf for the info on QCD. I had already come across it here and have made a note of it when filing for my 2018 income taxes. Just went to the IRS site to figure out my taxes for 2018 and wasn't quite sure how to handle the RMD on the 1040? I know it is far in advance, but was just won...
by Almost there
Mon Nov 20, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

I had problems with TurboTax and switched to H&R block quite a few years ago.
by Almost there
Mon Nov 20, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap plan F--Aetna or Statefarm
Replies: 27
Views: 3577

Re: Medigap plan F--Aetna or Statefarm

Asking again.

Has anyone used Aetna for their drug plan?
by Almost there
Sun Nov 19, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and taxes
Replies: 16
Views: 1957

Re: RMD and taxes

Friar1610 wrote: Something else you can do with your RMD tax-wise: - if you have sources of income that cause you to have to do quarterly estimated taxes (that is, sources from which you can't have taxes taken out) you can increase the amount of tax taken out from your RMD so you eliminate the need ...
by Almost there
Sun Nov 19, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and taxes
Replies: 16
Views: 1957

Re: RMD and taxes

Alan S wrote: Taking withholding from your RMD distributions will usually eliminate the need to pay estimates. The withheld amount must meet one of the safe harbors, such as 100% of your prior year tax liability. Of course, this depends on the size of your IRA in relation to the amount of taxes you ...
by Almost there
Sun Nov 19, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and taxes
Replies: 16
Views: 1957

Re: RMD and taxes

ResearchMed wrote: Whether it is consulting income (1099) or regular wages (W2) or RMD's (etc.), IF you are able to satisfy the full amount of the Federal taxes actually due from withholding (that would be from other than 1099 income), that will suffice. No quarterly payments would be necessary, and...
by Almost there
Sun Nov 19, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and taxes
Replies: 16
Views: 1957

RMD and taxes

Next year I will turn 70 in April and will have to take my RMDs. If I take it quarterly distributions and have VG take out income tax, do I still have to pay quarterly taxes? I have not been able to find any info on it other than that some people take monthly or quarterly distributions and others ta...
by Almost there
Sun Nov 19, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap plan F--Aetna or Statefarm
Replies: 27
Views: 3577

Re: Medigap plan F--Aetna or Statefarm

My name wrote: For Part D drug plans, choose the cheapest that includes any drugs you take. Go to Medicare.gov where you can do a plan search in your zip code and note what drugs you use. I still have the Humana Walmart plan even though I have a costly drug, as other plans cannot do better. If you s...
by Almost there
Sat Nov 18, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11343

Re: H&R Block Software

Anyone did this for Arizona?
by Almost there
Sat Oct 21, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4162

Re: Why not switch from Medigap F to G now?

Celia wrote: DH just changed carriers recently to go from Plan F at one carrier to another carrier's Plan F. It was relatively effortless. No medical underwriting is required if you transfer to the same plan letter or to one that offers fewer benefits. Transferring to a plan with more benefits will ...
by Almost there
Sat Oct 21, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4162

Re: Why not switch from Medigap F to G now?

Sorry you are correct. Have changed my post accordingly.
by Almost there
Sat Oct 21, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: medicare supplement
Replies: 29
Views: 2188

Re: medicare supplment

To find the right supplemental plan provider, I contacted Senior Savings Network who are located on the East Coast. 800-729-9590
They were very helpful. They suggested Aetna since they don't raise or lower their prices every year. Have been very pleased with them.
by Almost there
Sat Oct 21, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4162

Re: Why not switch from Medigap F to G now?

Grasshopper wrote: Called BCBS of AZ they said they can do the change no problem, no underwriting. I have an appointment next week I will do the change after that. I changed from United to Aetna for my Plan N and saved $23 per month and now paying $94.00/month. To find the right supplemental plan pr...
by Almost there
Sun Oct 15, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA: School Me
Replies: 13
Views: 1238

Re: HSA: School Me

Thank you SpiritRider, for your explanation.

As to point 3:
As to direct contributions, then they won’t be pre—tax if they’re not sent by an employer.

Hopefully Vanguard will offer it!
by Almost there
Sun Oct 15, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSA: School Me
Replies: 13
Views: 1238

Re: HSA: School Me

Spirit Rider answered: A significant number of Bogleheads have HSA accounts at custodians other than their employer's designated HSA custodian. Just refer to the number of threads about what is the best HSA. You still want to contribute through your employer's designated HSA custodian to receive the...
by Almost there
Sun Oct 15, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: How does dental insurance work (for you)?
Replies: 6
Views: 1417

Re: How does dental insurance work (for you)?

I have EDS (Employers Dental Services-and no I am not working. I am retired) through Principal and am quite happy with their service and my dentist's office. After treatment, I receive a statement with all charges listed. I live in Arizona so I am not sure how this would work in the state you live i...
by Almost there
Sun Oct 15, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Cool money savers this month
Replies: 3
Views: 1066

Re: Cool money savers this month

The T-Mobile plan sounds like a good idea, however, where I live I don't receive good coverage.
Verizon is the only one that works consistently.
by Almost there
Sun Oct 15, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: HSA: School Me
Replies: 13
Views: 1238

Re: HSA: School Me

Does anyone have an HSA plan not purchased through their employer?
by Almost there
Sun Oct 01, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 1028

Re: Life insurance policy

I’m still just looking for a recommendation for an insurance company.
by Almost there
Sun Oct 01, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 1028

Re: Life insurance policy

Thank you and no children etc involved. He’ll go for the lowest cost.
by Almost there
Sun Oct 01, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 1028

Re: Life insurance policy

Does anyone have a recommendation as to which insurance company to use?
by Almost there
Sun Oct 01, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Hardwood/Laminate floors ?
Replies: 17
Views: 1687

Re: Hardwood/Laminate floors ?

Please see Consumer Reports, August 2017. Would recommend obtaining this issue from a friend or your local library. Here are some excerpts from this issue: KITCHEN AND MUDROOM Top Choice: Porcelain tile (a natural fit for high traffic areas of the home. It outperformed every other flooring material ...
by Almost there
Sun Oct 01, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 2014

Re: Bed Pillows

Have used buckwheat pillows for +15 years and loving them. Originally saw them advertised on QVC and a co-worker highly recommended it. Since then I have purchased them from Amazon. I buy two cheap pillow cases with zippers and stuff one with the buckwheat. Then put it into another pillow case. You ...
by Almost there
Sun Oct 01, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 1028

Re: Life insurance policy

Arizona. Needs the insurance policy until she either get married (doesn't look like that will happen) or dies.
They are both 60. I don't think she is in the best of health.
by Almost there
Sun Oct 01, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 1028

Life insurance policy

A friend (he's 60 and in good health) needs to obtain a $200,000 life insurance policy to satisfy his divorce decree.
Which insurance company with the lowest cost would you suggest?

Almost there