Search found 182 matches

by SeekingAPlan
Mon Jul 27, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: TV antenna
Replies: 48
Views: 2668

Re: TV antenna

Have you tried a rescan? CBS broadcasts on both 2.1 and 48.3 in the Chicago area. ------------------------------------------------------------------------------------------------------- Stations for Chicago, Illinois Display Digital Channel Channel Call Sign Network Nickname Hours Notes WBBM-TV CHIC...
by SeekingAPlan
Sat Jun 27, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: Effect of open-source software on SWE careers and start-up companies.
Replies: 34
Views: 2240

Re: Effect of open-source software on SWE careers and start-up companies.

What is the last piece of word processing software you used yourself? In my case, it was Word. And I don't like Microsoft. And I do have a copy of LibreOffice installed on my computer (Mac OS X). I don't want to get into a long discussion of why it was Word. The fact is, it was. Furthermore, the fa...
by SeekingAPlan
Wed May 13, 2020 11:22 am
Forum: Personal Investments
Topic: DH Laid Off - can we retire early?
Replies: 40
Views: 5035

Re: DH Laid Off - can we retire early?

Have you verified that your providers take the Ambetter ACA plan? None of mine did. Also it was not accepted by my local hospitals. I had to move up to the more expensive Blue Cross plan.
by SeekingAPlan
Mon Apr 06, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: E911 Service
Replies: 28
Views: 2856

Re: E911 Service

Resurrecting this thread to see what is the current lowdown on E911 if I get an OBI200 and use Google Voice The interwebs love to talk about the Anveo $12 per year or $15 per year or whatever, but all I can see is some $39.99 per year account from Anveo. I will look into CallCentric Not sure what i...
by SeekingAPlan
Wed Mar 18, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 252
Views: 23865

Re: Ally 1% bonus, up to $250

I opened the 1.75 percent 11 month No Penalty CD on March 14th and immediately funded through ACH from an existing bank in my Ally profile. Now that the funds are showing today, my CD rate is listed as 1.5 percent, which is the No Penalty CD rate as of today. Is that the way it's supposed to work? ...
by SeekingAPlan
Tue Feb 18, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone bypass insurance for primary care?
Replies: 108
Views: 7033

Re: Does anyone bypass insurance for primary care?

I have been fortunate enough not to meet my high deductible and so I pay all medical expenses out of pocket. For my PCP office visit -- Cash price is 88 cents more than negotiated insurance rate. For RX -- my only prescription falls under the 90 day supply for $10 @ Walmart. This is cheaper than us...
by SeekingAPlan
Mon Feb 17, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone bypass insurance for primary care?
Replies: 108
Views: 7033

Re: Does anyone bypass insurance for primary care?

For essentially all of medicine that runs through insurance, everything is charged a million dollars, and the insurance company pays out whatever the contracted rate is. When you go for an MRI, the facility will charge around $1000 and the insurance will pay between $300-400. If you call the facili...
by SeekingAPlan
Sun Feb 16, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone bypass insurance for primary care?
Replies: 108
Views: 7033

Re: Does anyone bypass insurance for primary care?

For essentially all of medicine that runs through insurance, everything is charged a million dollars, and the insurance company pays out whatever the contracted rate is. When you go for an MRI, the facility will charge around $1000 and the insurance will pay between $300-400. If you call the facili...
by SeekingAPlan
Fri Feb 14, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: AT&T landline versus VOIP
Replies: 26
Views: 1872

Re: AT&T landline versus VOIP

In my area AT&T was pushing hard to eliminate the old copper landlines. I was getting multiple offers everyday to convert my landline phone & DSL to "fiber" at a much lower price. Finally I agreed to one of their deals after confirming that it was actually "fiber". After ...
by SeekingAPlan
Tue Feb 11, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ultra High Deductible Health Insurance?
Replies: 53
Views: 3426

Re: Ultra High Deductible Health Insurance?

I have an ACA plan for an individual. Deductible - $7,400 In Network Out of Pocket Max - $8,150 Premium - $10,080 / yr Please note that the network is very narrow. It is quite possible to go to an in network hospital and get out of network bills for doctors, labs, etc. These bills mount up very qui...
by SeekingAPlan
Tue Feb 11, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ultra High Deductible Health Insurance?
Replies: 53
Views: 3426

Re: Ultra High Deductible Health Insurance?

I have an ACA plan for an individual. Deductible - $7,400 In Network Out of Pocket Max - $8,150 Premium - $10,080 / yr Please note that the network is very narrow. It is quite possible to go to an in network hospital and get out of network bills for doctors, labs, etc. These bills mount up very quic...
by SeekingAPlan
Tue Feb 11, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Digital Job Interview?
Replies: 18
Views: 1350

Re: Digital Job Interview?

It's a way to quickly screen out people who present themselves poorly (take that any way you want). On the other side, if you present yourself well it may be a way to separate yourself from other applicants and a faster way to get an in-person interview if networking and professional relationships ...
by SeekingAPlan
Tue Feb 11, 2020 10:01 am
Forum: Personal Consumer Issues
Topic: Digital Job Interview?
Replies: 18
Views: 1350

Re: Digital Job Interview?

It's a way to quickly screen out people who present themselves poorly (take that any way you want). On the other side, if you present yourself well it may be a way to separate yourself from other applicants and a faster way to get an in-person interview if networking and professional relationships ...
by SeekingAPlan
Tue Feb 11, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Digital Job Interview?
Replies: 18
Views: 1350

Re: Digital Job Interview?

A job interview should be a two way street. It should not just be a means for the company to find out about the applicant. It is also the time for the applicant to access if this job / company is a good fit for them. I think a company that does not understand this is likely to be a poor place to work.
by SeekingAPlan
Mon Jan 13, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Frustrating PCP/insurance issue
Replies: 13
Views: 1171

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: 1171

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: 42
Views: 5628

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: 935

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: 1017

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: 859

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: 9015

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: 9015

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: 2372

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: 2372

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: 96
Views: 10805

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: 3110

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: 28
Views: 2856

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: 1288

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: 96
Views: 10805

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 do...
by SeekingAPlan
Mon Jul 29, 2019 7:36 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 96
Views: 10805

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 do...
by SeekingAPlan
Mon Jul 29, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 96
Views: 10805

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: 96
Views: 10805

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 S...
by SeekingAPlan
Mon Jul 29, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 96
Views: 10805

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: 96
Views: 10805

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: 2404

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: 9015

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: 1585

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: 1585

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: 1585

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: 1749

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: 1749

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: 1749

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: 1749

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: 1170

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: 5224

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 offer...
by SeekingAPlan
Mon Oct 08, 2018 8:41 am
Forum: Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 2116

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 exp...
by SeekingAPlan
Wed Sep 26, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8324

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: 8324

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: 2522
Views: 256156

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: 8324

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 rul...