Search found 6935 matches

by michaeljc70
Fri Sep 18, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 86
Views: 4139

Re: Quicken Disaster!

I don't have any more advice beyond what I said above, but this issue got me thinking. Maybe it would be wise to start creating annual reports and saving them in Excel format in case things do go south at some point for me. I am thinking an expense/income report (by category), portfolio with cost ba...
by michaeljc70
Fri Sep 18, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Vastly different quotes for wallpaper removal and painting job
Replies: 31
Views: 1352

Re: Vastly different quotes for wallpaper removal and painting job

Removing wallpaper is not a fun job. Company A doesn't particularly want the gig, but for a juicy price will do it. Go with Company B and don't overthink it (assuming Company C doesn't come in lower). That's what I was thinking. Companies give high quotes when they don't need/want the job. They als...
by michaeljc70
Thu Sep 17, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10198

Re: Grocery store didn't tell me Shingrix was $160

Almost nothing I get done via healthcare do they "tell" me the price upfront. That includes x-rays, CT scans, MRIs, lab tests, prescriptions (they tell me at the register when it is time to pay), etc . Like anything, if you are concerned about the price, ask. I just got an EOB yesterday from a lab ...
by michaeljc70
Thu Sep 17, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 265
Views: 67633

Re: Interactive Brokers (Best Kept Secret)

So, I recently transferred my taxable account it IB for their low margin rates. The "best kept secret" is they don't let you withdraw any cash for 30 days which is contrary to their website (which says 10 business days). They assured me they will be updating the website "soon". So, I have $40k sitti...
by michaeljc70
Thu Sep 17, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10198

Re: Grocery store didn't tell me Shingrix was $160

In some ways some of these comments are just interesting. Is it the patient's responsibility to understand the cost of a medical procedure before it takes place? Perhaps. I can call my health provider and my insurance provider and ask "How much for a flu shot" and the the "it depends on the code en...
by michaeljc70
Thu Sep 17, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10198

Re: Grocery store didn't tell me Shingrix was $160

Its not a procedure. You can 100% call and ask your insurance if a vaccine is covered at a pharmacy. Its billed the same as any prescription. There is no diagnosis code. You bill for the drug. Prescriptions are billed in real time . A price is determined before the service. Its not like going to th...
by michaeljc70
Thu Sep 17, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10198

Re: Grocery store didn't tell me Shingrix was $160

Pharmacist here. Its probably that when you get the shot at the VA its billed differently than getting it at a pharmacy. I think most insurances don't cover it till youre 60. I'm years out of retail but that could have changed. Unfortunately you got the shot its not covered you have to pay. You sho...
by michaeljc70
Thu Sep 17, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10198

Re: Grocery store didn't tell me Shingrix was $160

Pharmacist here. Its probably that when you get the shot at the VA its billed differently than getting it at a pharmacy. I think most insurances don't cover it till youre 60. I'm years out of retail but that could have changed. Unfortunately you got the shot its not covered you have to pay. You sho...
by michaeljc70
Thu Sep 17, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10198

Re: Grocery store didn't tell me Shingrix was $160

I'll be paying $20 to get the first shot tomorrow at Publix. So far as OP's issue: 1. The price of $160 doesn't seem to be a rip-off price at all ( which OP is NOT suggesting ), so that was good. 2. I subscribe to the notion that I am the only one responsible for looking out for WHERE my dollars an...
by michaeljc70
Thu Sep 17, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 171
Views: 12371

Re: Is this guy trying to scam me on a car I'm selling?

I listed a $13,000 car on Facebook for well above book value because of very low mileage and its a low production Mercedes stick. First thing he asks is for my email because he "can't type well on his phone". I give him a throwaway email. Then he emails me this message, Sir, First of all, I want to...
by michaeljc70
Thu Sep 17, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Who has the best rate for borrowing against your stocks thru margin / loan management account?
Replies: 6
Views: 489

Re: Who has the best rate for borrowing against your stocks thru margin / loan management account?

Interactive brokers starts at 1.5% and goes down for large balances. It is tied to their own benchmark rate which is close to LIBOR. It's hard to beat IBs rates. Beware of fees and other limitations though. After transferring my account to IB a few weeks ago I was unable to withdraw any cash for 30...
by michaeljc70
Thu Sep 17, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: when you say 'rent forever'
Replies: 21
Views: 3076

Re: when you say 'rent forever'

In most of the US, you are able to stay based on the whim of your landlord (after the lease ends). Of course, most landlords want to keep good tenants even if they may not be getting top dollar. The hassle to find new tenants, make any repairs, clean, refresh the place, etc. aren't worth it often to...
by michaeljc70
Thu Sep 17, 2020 10:00 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10198

Re: Grocery store didn't tell me Shingrix was $160

I'll be paying $20 to get the first shot tomorrow at Publix. So far as OP's issue: 1. The price of $160 doesn't seem to be a rip-off price at all ( which OP is NOT suggesting ), so that was good. 2. I subscribe to the notion that I am the only one responsible for looking out for WHERE my dollars an...
by michaeljc70
Thu Sep 17, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 166
Views: 10198

Re: Grocery store didn't tell me Shingrix was $160

Almost nothing I get done via healthcare do they "tell" me the price upfront. That includes x-rays, CT scans, MRIs, lab tests, prescriptions (they tell me at the register when it is time to pay), etc . Like anything, if you are concerned about the price, ask. I just got an EOB yesterday from a lab t...
by michaeljc70
Wed Sep 16, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed - CARES and 72(t)/SEPP withdrawal
Replies: 10
Views: 447

Re: Advice needed - CARES and 72(t)/SEPP withdrawal

If you started a SEPP in January 2020 then nothing has been reported yet and you can just start the SEPP later and count what you took out as part of the 100K for the cares act. I started a SEPP in March but switched it over to a Cares Act since I only need a little extra till 59.5. I'm not sure ab...
by michaeljc70
Wed Sep 16, 2020 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed - CARES and 72(t)/SEPP withdrawal
Replies: 10
Views: 447

Re: Advice needed - CARES and 72(t)/SEPP withdrawal

If you started a SEPP in January 2020 then nothing has been reported yet and you can just start the SEPP later and count what you took out as part of the 100K for the cares act. I started a SEPP in March but switched it over to a Cares Act since I only need a little extra till 59.5. I'm not sure ab...
by michaeljc70
Wed Sep 16, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed - CARES and 72(t)/SEPP withdrawal
Replies: 10
Views: 447

Re: Advice needed - CARES and 72(t)/SEPP withdrawal

What I am trying to say is if I break the 72T could I take the amount so far as a CARES act distribution and not pay the 10% penalty. Then start the 72T at a later date. I don't think so. You took your 1st 72t distribution before the CARES act existed. The IRS says: Q4. What is a coronavirus-relate...
by michaeljc70
Wed Sep 16, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 86
Views: 4139

Re: Quicken Disaster!

I've repeatedly said/worried about all these releases. There has been like 20 this year. That doesn't bode well for a mature product IMO. I keep finding bugs even after a gazillion updates. The current mindset in software development is to update all the time. Conceptually, if you have bugs fixed a...
by michaeljc70
Wed Sep 16, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed - CARES and 72(t)/SEPP withdrawal
Replies: 10
Views: 447

Re: Advice needed - CARES and 72(t)/SEPP withdrawal

There is really no way to cancel a 72t without penalty that I know of other than dying, taking 5 years of distributions or turn 59.5 (whichever is later) or depleting the IRA. You can change your method of calculating the payments one time. Depending what method you chose, maybe another method can r...
by michaeljc70
Wed Sep 16, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Reimbursing mileage for HSA
Replies: 26
Views: 1378

Re: Reimbursing mileage for HSA

I don't mess with mileage tracking for future HSA reimbursement. This is just too much hassle for something that might have to be dealt with during an audit 30 years from now. +1. I expect I'll have plenty of healthcare expenses when I am 65+ and not need to worry about mileage. I also don't track ...
by michaeljc70
Wed Sep 16, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 86
Views: 4139

Re: Quicken Disaster!

I've repeatedly said/worried about all these releases. There has been like 20 this year. That doesn't bode well for a mature product IMO. I keep finding bugs even after a gazillion updates. The current mindset in software development is to update all the time. Conceptually, if you have bugs fixed a...
by michaeljc70
Wed Sep 16, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 86
Views: 4139

Re: Quicken Disaster!

Another thing I would do before totally throwing in the towel is wait for the next release. They seem to come every few weeks. Maybe that will fix it. I've repeatedly said/worried about all these releases. There has been like 20 this year. That doesn't bode well for a mature product IMO. I keep find...
by michaeljc70
Wed Sep 16, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 86
Views: 4139

Re: Quicken Disaster!

I would try to use another PC. Perhaps a friend, spouse,or work PC. If you can get it to successfully open on a different PC, you have definitively pinpointed the problem to something in your PC. If it does not open on a different PC, you have eliminated your PC as a potential cause. In that case, ...
by michaeljc70
Tue Sep 15, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: Strategy for replacing faucet/toilet water shutoff valves?
Replies: 35
Views: 2646

Re: Strategy for replacing faucet/toilet water shutoff valves?

My father (an avid DIY'r) always advocates for the 1/4 turn shutoffs. In reality, how often do you turn off the water? I put them in my master and regret it. The reason is the faucet is very powerful and the sink shallow and it is next to impossible to adjust the water flow using those 1/4 turn shu...
by michaeljc70
Tue Sep 15, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Strategy for replacing faucet/toilet water shutoff valves?
Replies: 35
Views: 2646

Re: Strategy for replacing faucet/toilet water shutoff valves?

My father (an avid DIY'r) always advocates for the 1/4 turn shutoffs. In reality, how often do you turn off the water? I put them in my master and regret it. The reason is the faucet is very powerful and the sink shallow and it is next to impossible to adjust the water flow using those 1/4 turn shut...
by michaeljc70
Tue Sep 15, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4704

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

I went in yesterday to renew my license, opting for RealID. It was easy and simple. I had my passport, current driver's license and a 1099 showing full social security number and address. That was enough in my state. I will be doing the same soon (license expired in May), but from what I am hearing...
by michaeljc70
Sun Sep 13, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Closing disclosure 3 day rule non compliance
Replies: 19
Views: 1823

Re: Closing disclosure 3 day rule non compliance

Yes, it is common. Yes, I don't like it. If anything is wrong you are pressed for time to get it corrected. Often you don't get the numbers until the day of the closing. The "system" is setup this way (at least where I live). Let's face it, the numbers are calculated based on the closing date and th...
by michaeljc70
Sun Sep 13, 2020 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

I recently did two ACATs transfers from Fidelity to IB, the first a partial transfer, the second a full account transfer. I don't know who deserves the credit, Fidelity or IB, but they were both the fastest (maybe 2 business days for assets plus 2 more for cost basis) and most painless transfers I'...
by michaeljc70
Sat Sep 12, 2020 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

I recently did two ACATs transfers from Fidelity to IB, the first a partial transfer, the second a full account transfer. I don't know who deserves the credit, Fidelity or IB, but they were both the fastest (maybe 2 business days for assets plus 2 more for cost basis) and most painless transfers I'...
by michaeljc70
Sat Sep 12, 2020 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

[...] And your OP was very vague to spare us the details, so none of us really know when you sent money from where, when, or how, anyway. I was just giving an example of things taking time before one's own money is available again to do whatever one wants with it. I seriously thought I had missed s...
by michaeljc70
Sat Sep 12, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

Just thought I'd give an update. After a week (first online chatting, then emailing, then calling) I finally got an answer back from IB. They sent me a link to their website that says ACATS transfers have a 10 business day holding period for withdrawals. However, the policy has changed and now it i...
by michaeljc70
Sat Sep 12, 2020 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Would you fire your financial advisor for this error?
Replies: 45
Views: 4647

Re: Would you fire your financial advisor for this error?

I wouldn't fire them for this . When he quickly corrected himself was it after he calculated how much the taxes and down payment was times .5% :shock:? Not a lot of information given on the transaction though (surprised no one asked). Does she own a home now (I saw reference to downsizing)? Is all t...
by michaeljc70
Fri Sep 11, 2020 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

Just thought I'd give an update. After a week (first online chatting, then emailing, then calling) I finally got an answer back from IB. They sent me a link to their website that says ACATS transfers have a 10 business day holding period for withdrawals. However, the policy has changed and now it i...
by michaeljc70
Fri Sep 11, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

So, you can buy stocks or options with it and sell them though? Well, it's difficult (impossible?) to benefit by investing fraudulently transferred money that they are unable to withdraw, so there is little incentive to do that. Moreover, withdrawn money is just gone. An investment in stocks (and e...
by michaeljc70
Fri Sep 11, 2020 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

I have a lot of experience with brokerage transfers so my comments are not just based on how I think things "should" go. But a reasonably large sample of how they did go, at least for one individual. I understand your desired outcome but it seems to me that everything that happened to you was stand...
by michaeljc70
Fri Sep 11, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance replacement for current HDHP PPO
Replies: 4
Views: 263

Re: Health Insurance replacement for current HDHP PPO

Most full coverage plans (at least in my area) are on the government exchanges. I would start there (though you cannot really see 2021 plans yet). I would also check out off-exchange plans just to be sure there isn't a better option using a broker or website (like eHealthinsurance), but I found very...
by michaeljc70
Fri Sep 11, 2020 10:42 am
Forum: Investing - Theory, News & General
Topic: Study of DCA only on market down days?
Replies: 5
Views: 835

Re: Study of DCA only on market down days?

I don't know of any such study. I suspect it would turn out similar or worse than a standard DCA. One reason is if you put the money in on a down day, there is nothing keeping the next 2,3,4 or 5 days from it going down further. Maybe that 2nd-5th would have been the day you put it in if following a...
by michaeljc70
Fri Sep 11, 2020 9:04 am
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 4731

Re: How to stop judging how other people spend/invest

I just don't comment to the people directly involved. I will however discuss it with my spouse or a family member that is not directly involved. For example, spouse will say BIL wants to buy a house instead of a condo due to their child but they just cannot afford it. I'll say to spouse maybe if the...
by michaeljc70
Fri Sep 11, 2020 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

Just thought I'd give an update. After a week (first online chatting, then emailing, then calling) I finally got an answer back from IB. They sent me a link to their website that says ACATS transfers have a 10 business day holding period for withdrawals. However, the policy has changed and now it i...
by michaeljc70
Fri Sep 11, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

As for "no other broker..." I've been with Vanguard for several years, and with my local bank for many more ... both routinely put various holds on new money of mine coming in (ACH transfers, check deposits, mutual fund purchases from linked bank accounts, etc), even when it is only a fraction of t...
by michaeljc70
Fri Sep 11, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

Just thought I'd give an update. After a week (first online chatting, then emailing, then calling) I finally got an answer back from IB. They sent me a link to their website that says ACATS transfers have a 10 business day holding period for withdrawals. However, the policy has changed and now it i...
by michaeljc70
Thu Sep 10, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3183

Re: Huge mess - Interactive Brokers transfer

Just thought I'd give an update. After a week (first online chatting, then emailing, then calling) I finally got an answer back from IB. They sent me a link to their website that says ACATS transfers have a 10 business day holding period for withdrawals. However, the policy has changed and now it is...
by michaeljc70
Thu Sep 10, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Victim of credit card fraud. Need advice on how to proceed
Replies: 27
Views: 1653

Re: Victim of credit card fraud. Need advice on how to proceed

Called American Express. Wow. I'm impressed. They immediately charged back 10 months of charges and told me they would investigate and there is no limit on how far back they can chargeback if the reason is fraud. "You will never be held liable for a fraudulent charge here at American Express." They...
by michaeljc70
Thu Sep 10, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 40
Views: 2837

Re: Google Play Music sunsetting to YouTube Music

There are alternatives where you can start the music on your phone and cast it to the speaker. From my phone, I tried "ok google, play xxxx". (xxxx is my uploaded album) It says I need to pay for YT premium. Yes, you need an alternative service. I mentioned a few that work above. Sorry I can't find...
by michaeljc70
Thu Sep 10, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 40
Views: 2837

Re: Google Play Music sunsetting to YouTube Music

acegolfer wrote: Thu Sep 10, 2020 12:27 pm
michaeljc70 wrote: Thu Sep 10, 2020 12:03 pm There are alternatives where you can start the music on your phone and cast it to the speaker.
From my phone, I tried "ok google, play xxxx". (xxxx is my uploaded album) It says I need to pay for YT premium.
Yes, you need an alternative service. I mentioned a few that work above.
by michaeljc70
Thu Sep 10, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 40
Views: 2837

Re: Google Play Music sunsetting to YouTube Music

I went to ask for a song from my library on my Google Speaker a few minutes ago and instead I got a radio station on YouTube Music and a blurb about how YTM was now my default for the speaker. This worked yesterday. I guess they shoving the transition along.
by michaeljc70
Thu Sep 10, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 40
Views: 2837

Re: Google Play Music sunsetting to YouTube Music

I have google home speakers. I can say "ok google, play beethoven no 3 symphony eroica" and it will play my uploaded album. (I don't pay anything.) I transferred all my albums from GPM to YT music. I've been trying to figure out how to play my albums the same way from YT music but lost. Can anyone ...
by michaeljc70
Thu Sep 10, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 40
Views: 2837

Re: Google Play Music sunsetting to YouTube Music

I have google home speakers. I can say "ok google, play beethoven no 3 symphony eroica" and it will play my uploaded album. (I don't pay anything.) I transferred all my albums from GPM to YT music. I've been trying to figure out how to play my albums the same way from YT music but lost. Can anyone ...
by michaeljc70
Thu Sep 10, 2020 10:18 am
Forum: Personal Investments
Topic: Do I really own anything if everything can require a Medallion signature which I can never get?
Replies: 71
Views: 7672

Re: Do I really own anything if everything can require a Medallion signature which I can never get?

In the last 2 weeks I transferred 3 brokerage accounts to two different brokers. Not only did I not need a medallion signature, there was no signature at all required other than agreeing to something on the screen. These accounts were 7 figures in total. Perhaps choose a brokerage whose language is ...
by michaeljc70
Thu Sep 10, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Google Play Music sunsetting to YouTube Music
Replies: 40
Views: 2837

Re: Google Play Music sunsetting to YouTube Music

"YouTube Music will soon let you cast uploaded music to smart speakers for free" https://9to5google.com/2020/09/09/youtube-music-will-soon-let-you-cast-uploaded-music-to-smart-speakers-for-free/ It seems like some changes are being made. That's not an announcement from Google/YT or one of their rep...