Search found 168 matches

by SeekingAPlan
Mon Jan 13, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Frustrating PCP/insurance issue
Replies: 13
Views: 1091

Re: Frustrating PCP/insurance issue

You could be worse off. We called Cigna while on their website. The first 4 doctors on their list that we called while the Cigna CSR was on the phone were unable to take us because they were no longer in the area, had retired or were dead. Lest anyone think this stuff is new, 30 years ago, my compa...
by SeekingAPlan
Mon Jan 13, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Frustrating PCP/insurance issue
Replies: 13
Views: 1091

Re: Frustrating PCP/insurance issue

I switched to a Blue Cross ACA HMO as of 1/1 as well and cannot select any PCP. First they tell me my doc is not in network (he is). Then they say he is not accepting new patients (he is not but will accept existing patients like me). And, finally, they tell me that I cannot select any PCP until mid...
by SeekingAPlan
Sun Jan 12, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Switching from AT&T to Mint Mobile, any drawbacks?
Replies: 32
Views: 2251

Re: Switching from AT&T to Mint Mobile, any drawbacks?

I switched to Mint Mobile from Virgin Mobile last August. The difference is night and day. I am loving it. I have a Moto G7 Play and make use of the wifi calling in my home. This has enabled me to also get rid of the landline. Pre-Mint my in house cell service was so poor I could not have a conversa...
by SeekingAPlan
Wed Jan 08, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: Are short term bond funds more liquid than Intermediate, long, etc?
Replies: 12
Views: 848

Re: Are short term bond funds more liquid than Intermediate, long, etc?

If your current balance in a mutual fund is $10k, then you will get $10k if you sell that day. BUT If you invest $10k in a fund, there is no guarantee that tomorrow it will still be worth $10k. Might be more, might be less, might be the same. If we're talking about an ultra-short term Treasury fund...
by SeekingAPlan
Mon Jan 06, 2020 10:52 am
Forum: Personal Investments
Topic: Fidelity Planning Tool
Replies: 6
Views: 950

Re: Fidelity Planning Tool

I get executive planning services are part of my benefits and never seen my advisor use a different/better tool. My advisor (who is 'free' to me) mentioned that Fidelity's paid advisors had more sophisticated modeling tools, but that I would need X $ invested with them. It might be an upsell attemp...
by SeekingAPlan
Fri Nov 08, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance: Public-exchange ACA plans on HealthCare.gov - Do they have advantages over private plans?
Replies: 7
Views: 768

Re: Health Insurance: Public-exchange ACA plans on HealthCare.gov - Do they have advantages over private plans?

Where I live the ACA plans all have very narrow and very local networks. There is no out of network coverage other than for a life threatening emergency. If I take a day trip to the lake or to visit family and I am not literally dying I have no coverage at all. I am 4 years from Medicare and would l...
by SeekingAPlan
Fri Nov 08, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 68
Views: 7542

Re: End of Support Chromebook

tc101 wrote:
Fri Nov 08, 2019 9:28 am
how do I know if my chromebook is one of the ones being updated or not? I don't remember when I bought it.
https://support.google.com/chrome/a/ans ... 0366?hl=en

This is the link to the list of chromebooks with end of life dates.
by SeekingAPlan
Fri Nov 08, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 68
Views: 7542

Re: End of Support Chromebook

Google announced that it will give most Chrome OS devices one additional year of software support. https://www.androidpolice.com/2019/11/04/google-gives-most-chromebooks-an-extra-year-of-software-support/ Good news. Maybe that explains the September 26th build date on the one I'm using right now? I...
by SeekingAPlan
Mon Sep 02, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: new laptop - Windows S Mode??
Replies: 21
Views: 1837

Re: new laptop - Windows S Mode??

I switched out and have had no issues. My new laptop would have been useless to me if this was not available. What exactly is the issue people are having? Deactivating Windows 10, having to reinstall the OS. I guess S Mode is a version of Windows 10 and you have to go to a prior version or somethin...
by SeekingAPlan
Mon Sep 02, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: new laptop - Windows S Mode??
Replies: 21
Views: 1837

Re: new laptop - Windows S Mode??

I switched out and have had no issues. My new laptop would have been useless to me if this was not available.

What exactly is the issue people are having?
by SeekingAPlan
Wed Aug 21, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 8313

Re: My Fido retirement meeting pushing me to SMA

I, too, recently met with my two Fido reps to see about readjusting my portfolio for tax efficiency and to address duplication. I expect to retire in a year (no pension but 403B and a comfortable inherited IRA so I don't need to have dividends for expenses.) With the market unstable, I currently ha...
by SeekingAPlan
Mon Aug 12, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Why household batteries have picture of no trash disposal on them?
Replies: 27
Views: 3011

Re: Why household batteries have picture of no trash disposal on them?

There used to be a bin for collecting used household batteries at our public library. The bin has been removed and a sign was posted instructing us to dispose of the batteries in our regular trash.
by SeekingAPlan
Mon Aug 12, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: E911 Service
Replies: 21
Views: 1952

Re: E911 Service

Reviving an old thread to see if anyone has tried 911 from GoogleVoice who *only* has Smart911. I recently switched my cell phone service to Mint. From what I see, 911 will only get my exact address if I use WiFi calling and have entered my home address. Since I was asked for email but not street ad...
by SeekingAPlan
Fri Aug 09, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: "Unlimited" mobile phone data. Don't need it. But I may need up to 10G a month. Dunno... options with Mint?
Replies: 13
Views: 1204

Re: "Unlimited" mobile phone data. Don't need it. But I may need up to 10G a month. Dunno... options with Mint?

Mint is running a 'buy 3 months, get 3 months free' promo on their 8GB/mo. plan so the first 6 months would be $60 + taxes. I have Mint with a 6s and like it. It works with wi-fi calling and apple voicemail. It's worth considering if T-Mobile coverage is good in your area. We tried to port to Mint ...
by SeekingAPlan
Mon Jul 29, 2019 7:48 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 8313

Re: My Fido retirement meeting pushing me to SMA

Thanks. I think many of us didn't realize they had 2 programs, much less 3 programs. :happy I think fidelity lists four programs. https://www.fidelity.com/what-we-offer/what-we-offer-overview?s_tnt=118183:2:0&adobe_mc_ref=https%3A%2F%2Fwww.fidelity.com%2F Actually even more because your link does n...
by SeekingAPlan
Mon Jul 29, 2019 7:36 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 8313

Re: My Fido retirement meeting pushing me to SMA

Thanks. I think many of us didn't realize they had 2 programs, much less 3 programs. :happy I think fidelity lists four programs. https://www.fidelity.com/what-we-offer/what-we-offer-overview?s_tnt=118183:2:0&adobe_mc_ref=https%3A%2F%2Fwww.fidelity.com%2F Actually even more because your link does n...
by SeekingAPlan
Mon Jul 29, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 8313

Re: My Fido retirement meeting pushing me to SMA

... They took advantage of me by convincing me to go with their PAS service, apparently now called SMA, ... PAS and SMA are two entirely different products offered by Fidelity. Basically they have 3 levels of portfolio management: Fidelity Go -- robo product available with no minimum PAS (Portfolio...
by SeekingAPlan
Mon Jul 29, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 8313

Re: My Fido retirement meeting pushing me to SMA

I looked at a Fidelity SMA also. The one I was somewhat interested in was a tax managed account that bought a group of stocks to match the S&P 500 and would do TLH and claimed as a result a small increase in return as compared to the comparable index fund. Cost was 50 basis points of AUM. The SMA w...
by SeekingAPlan
Mon Jul 29, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 8313

Re: My Fido retirement meeting pushing me to SMA

:| PAS and SMA are two entirely different products offered by Fidelity. Basically they have 3 levels of portfolio management: Fidelity Go -- robo product available with no minimum PAS (Portfolio Advisory Service) -- minimum $50,000 includes human advisor with limited options SMA (Separately Managed...
by SeekingAPlan
Mon Jul 29, 2019 9:18 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 8313

Re: My Fido retirement meeting pushing me to SMA

... They took advantage of me by convincing me to go with their PAS service, apparently now called SMA, ... PAS and SMA are two entirely different products offered by Fidelity. Basically they have 3 levels of portfolio management: Fidelity Go -- robo product available with no minimum PAS (Portfolio...
by SeekingAPlan
Fri May 03, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Technological literacy skills sought after by employers/possible job change
Replies: 26
Views: 2302

Re: Technological literacy skills sought after by employers/possible job change

I have worked in private industry and at a non-profit association. I was hired by the non-profit to help update their technology by searching for a new AMS and then converting from the old systems to the new. Based on the people I met doing that project, very few people moved between the non-profits...
by SeekingAPlan
Thu Mar 21, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 68
Views: 7542

Re: End of Support Chromebook

Guess what. I just checked the Google Update Policy, and according to the chart my other Chromebook (Acer CB3-111) auto update expiration date is this August. Makes one wonder if I should just get another Windows machine and keep it for 10 years. https://support.google.com/chrome/a/answer/6220366?h...
by SeekingAPlan
Fri Mar 01, 2019 5:09 am
Forum: Personal Finance (Not Investing)
Topic: How will cancelling ACA healthcare mid year effect subsidy?
Replies: 17
Views: 1499

Re: How will cancelling ACA healthcare mid year effect subsidy?

If you start Cobra, even if the former employer pays, you cannot switch to ACA until the next open enrollment period or a new qualifying event. The end of the employer Cobra subsidy is NOT a qualifying event. Please look into this before making a decision. That’s not correct. Per Healthcare.gov: Ca...
by SeekingAPlan
Thu Feb 28, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: How will cancelling ACA healthcare mid year effect subsidy?
Replies: 17
Views: 1499

Re: How will cancelling ACA healthcare mid year effect subsidy?

If you start Cobra, even if the former employer pays, you cannot switch to ACA until the next open enrollment period or a new qualifying event. The end of the employer Cobra subsidy is NOT a qualifying event. Please look into this before making a decision.
by SeekingAPlan
Thu Feb 28, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: How will cancelling ACA healthcare mid year effect subsidy?
Replies: 17
Views: 1499

Re: How will cancelling ACA healthcare mid year effect subsidy?

Are you saying you started Cobra in Feb 2019? If yes, unless I am missing something you cannot switch to ACA until Jan 2020 as you will not have a qualifying event in April.
by SeekingAPlan
Mon Feb 25, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Underpayment penalty or not? please help me figure
Replies: 40
Views: 1685

Re: Underpayment penalty or not? please help me figure

I went back to turbo tax just now and went to 2017 tax liability and entered 0 for everything. Now it is showing that I have a refund of $111 instead of me owing $109. So confusing.... Did something else change or was your return showing a penalty before? My return had a $0 penalty either way so th...
by SeekingAPlan
Mon Feb 25, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Underpayment penalty or not? please help me figure
Replies: 40
Views: 1685

Re: Underpayment penalty or not? please help me figure

I went back to turbo tax just now and went to 2017 tax liability and entered 0 for everything. Now it is showing that I have a refund of $111 instead of me owing $109. So confusing.... Did something else change or was your return showing a penalty before? My return had a $0 penalty either way so th...
by SeekingAPlan
Mon Feb 25, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Underpayment penalty or not? please help me figure
Replies: 40
Views: 1685

Re: Underpayment penalty or not? please help me figure

Go to Federal > Other Tax Situations > Additional Tax Payments > Underpayment Penalties, then in tax liability box for 2017 enter zero, same for the next prompt. Be sure to enter zero, simply leaving it blank will NOT remove the form (I tried that). Entering zeros will remove the 2210 form complete...
by SeekingAPlan
Mon Feb 25, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Underpayment penalty or not? please help me figure
Replies: 40
Views: 1685

Re: Underpayment penalty or not? please help me figure

I had the same issue with the online version of Turbo Tax Premier. I found this in the Turbo Tax Help. It does remove the 2210. I have not filed yet so do not know for sure if my return will be accepted. Go to Federal > Other Tax Situations > Additional Tax Payments > Underpayment Penalties, then in...
by SeekingAPlan
Mon Oct 08, 2018 11:07 am
Forum: Personal Investments
Topic: Portfolio review - nearing retirement
Replies: 7
Views: 1138

Re: Portfolio review - nearing retirement

I don't think I can combine my Rollover IRA with an inherited IRA. They're titled differently and I have to take distributions from the non-spousal Inherited IRA. This is correct. You cannot combine a non-spousal inherited IRA with your own traditional or rollover IRA. The inherited IRA must remain...
by SeekingAPlan
Mon Oct 08, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: "Retirement age uncertainty increases the savings needed for success"
Replies: 48
Views: 5114

Re: "Retirement age uncertainty increases the savings needed for success"

I worked in IT (software dev, database & analysis) for 38 years until I got laid off this summer at just under age 60. My plan would have been to retire at age 67. However, at my main 4 companies in that 38 years I only saw one person survive long enough to have an option to retire. He was offered a...
by SeekingAPlan
Mon Oct 08, 2018 8:41 am
Forum: Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 2055

Re: Investment advice for a friend in her nineties

Where does this lady hold the bank CDs? For example, I see a 1 year CD @ Chase is paying .02% in my area. If this is the rate the friend is getting it is not surprising that she wants to make a change. A local brick & mortar bank next door to Chase is offering 2.65% on a 17 month CD. From my experie...
by SeekingAPlan
Wed Sep 26, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8091

Re: Fed up with health insurance situation

You still cannot deduct health insurance premiums even if all paid out of pocket after tax. Health Insurance premiums paid with after tax dollars have been and continue to be tax deductible. Maybe as a practical matter you couldn't take the deduction, because it is subject to the 7.5% floor. Does a...
by SeekingAPlan
Wed Sep 26, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8091

Re: Fed up with health insurance situation

I don't think this is true anymore. Most people have huge deductibles now (a lot more skin in the game) to be paid out of pocket long before insurance just starts blanketly picking up the tab like it used to be. A couple months ago I cut my hand very badly, where it was obvious from the second that...
by SeekingAPlan
Tue Sep 25, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1646
Views: 182836

Re: [What TV Show Have You Recently Watched?]

"This Is Us".

Who is "her"? Kate? Rebecca? Someone else?
by SeekingAPlan
Tue Sep 25, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8091

Re: Fed up with health insurance situation

Prior to ACA many of us got turned away for having a pre-existing condition. That is one of the big worries for many of us - being uninsurable due to pre-existing conditions should the ACA go away. While I support the ACA and oppose efforts for it to "go away", a return to the pre-ACA rules would n...
by SeekingAPlan
Tue Sep 25, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8091

Re: Fed up with health insurance situation

Both cases seem very likely to me. Here are a couple of ACA quotes for my zip code. 25 year old - 267/month 60 year old - 802/month A group plan might charge like 500-600 bucks (depending on the age distribution of their employees). So basically the young employee subsidizes the old. It makes a lot...
by SeekingAPlan
Tue Sep 25, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8091

Re: Fed up with health insurance situation

This may work for you but I wonder how old the OP's employees are. I am 60 and currently using Cobra. An ACA plan for just me would cost more than what OP says he pays for 3 people. My Cobra is a little lower because many members of my former employer group were much younger. Yup, everyone is diffe...
by SeekingAPlan
Tue Sep 25, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8091

Re: Fed up with health insurance situation

The root problem is that we are spending too much on healthcare. Healthcare is something like 18% of our economy or about 10k per person per year. That is unsustainable. Someones got to pay that. Insurance companies have to take in more than they pay out to cover their overhead and profit. The fede...
by SeekingAPlan
Tue Sep 25, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8091

Re: Fed up with health insurance situation

This year it's $900/month for the three of us, going up to $1040/month in 2019 Anyone ever find themselves in a similar situation? Frankly I have not ever found myself in that situation, but if I did, I would "nope" right on out of the there. Those prices would make health insurance my highest expe...
by SeekingAPlan
Mon Sep 24, 2018 9:45 am
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 99
Views: 21611

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

I have redeemed Ally's no penalty CD before maturity totally online with just a few button clicks. No bank employee required and no questions asked about why I was redeeming early.

In less than 5 minutes the money was available in my checking account. You cannot get much more liquid than that.
by SeekingAPlan
Sun Sep 23, 2018 5:38 pm
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 99
Views: 21611

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Have you considered the Ally No Penalty 11 Month CD? It is currently paying 2.1%. ^THIS^ is what I do. Seems a no-brainer to me. Me too. Perhaps an decent CD, but not quite a “no-brainer,” when investors can get near 2% in money market funds with no restrictions, while 1-yr. treasury bill rates hov...
by SeekingAPlan
Sun Sep 23, 2018 9:52 am
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 99
Views: 21611

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Have you considered the Ally No Penalty 11 Month CD? It is currently paying 2.1%. ^THIS^ is what I do. Seems a no-brainer to me. Me too. Synchrony Bank has a 13 month CD at 2.65% APY. The Synchrony 13 month CD has an early withdrawal penalty of 6 months of interest. I believe the OP was comparing a...
by SeekingAPlan
Sun Sep 23, 2018 9:21 am
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 99
Views: 21611

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

OP said this is an emergency fund not for current regular expenses. The Ally No Penalty CD is paying 2.1% with FDIC coverage. The funds are locked up for the first 6 *days*. After that you can withdraw all funds and accrued interest instantly with, as the title implies, no penalty. You can literally...
by SeekingAPlan
Fri Sep 21, 2018 5:49 pm
Forum: Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 99
Views: 21611

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Have you considered the Ally No Penalty 11 Month CD? It is currently paying 2.1%.
by SeekingAPlan
Fri Sep 21, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 157
Views: 24406

Re: Fidelity Full View transition to eMoney

The new Full View impacted my Fidelity Retirement Score (+20 points). I can understand some movement, but that strikes me as a big jump. OTOH, I cannot get Fidelity to update my retirement score no matter what I do. It's stuck on "as of March 2017". By any chance did you change your status to "reti...
by SeekingAPlan
Wed Aug 22, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 157
Views: 24406

Re: Fidelity Full View transition to eMoney

I cannot seem to access full view. I clicked on enrollment, it brings me to a login screen but does not accept my Fidelity login info....I'll let them complete their scheduled updates to the platform this weekend and try again but I am not happy they seem to have flubbed up this transition. I had t...
by SeekingAPlan
Mon Aug 20, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 13569

Re: Excessive Emergency Room Charges - Options?

Much much less. An ultrasound should not cost more than $200. You went to the ER and had an ultrasound; you did not go to a doctor's office and have an ultrasound. Do NOT know the answer - but on occasion one of my doctors orders an ultrasound and one choice was to have it at a local hospital (norm...
by SeekingAPlan
Thu Aug 02, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: My experience with CloudReady (convert your PC or Mac into a Chromebook)
Replies: 23
Views: 2795

Re: My experience with CloudReady (convert your PC or Mac into a Chromebook)

I have a 4 year old Acer Chromebook with only 2GB of ram. I often have 8 tabs or more open with no problem. I find this very interesting. Many review sites I read complain about extremely lagging performance with only a few tabs open on older models and those with 2GB. I wonder if it is a differenc...
by SeekingAPlan
Thu Aug 02, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 94445

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I don't know, maybe this seems corny and all of that, but I wonder how this price war is going to affect the employees. I know, silly me, to worry about employees. I guess I have an old-fashioned belief that people ought to get paid fairly for the work they do, and in the race to the bottom I can't...