Search found 205 matches

by LSLover
Sun May 24, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: Cheap way to ship a few boxes?
Replies: 14
Views: 906

Re: Cheap way to ship a few boxes?

I have no personal experience with Budget Van Lines but the reviews are generally OK...

https://www.budgetvanlines.com
by LSLover
Sat May 23, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 329
Views: 22646

Re: The axe falls and I am prepared. What's next?

It looks like COBRA should be available for at least 18 months...

https://www.dol.gov/sites/dolgov/files/ ... nsumer.pdf
by LSLover
Fri May 01, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA plan question
Replies: 3
Views: 252

COBRA plan question

When an employee leaves the company and opts for a COBRA, does the former employee have a choice of plans (among the plans offered to the employees) or it has to be the exact same plan that the employee had before separation? For instance, if the employee had a HDHP with HSA, does he have to pick th...
by LSLover
Mon Apr 27, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part A
Replies: 5
Views: 363

Re: Medicare Part A

No, I was referring to the HDHP deductible and actually neglected to mention any co-pays and or co-insurance. Since the employer plan is primary. There will be a coordination of benefits. Medicare will only pay for charges not reimbursed by the primary insurer. I do not know how the Medicare deduct...
by LSLover
Mon Apr 27, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part A
Replies: 5
Views: 363

Re: Medicare Part A

Hypothetical scenario: One is Medicare-eligible but continues to be employed and is covered by a creditable group coverage (high deductible health plan) choosing not to apply for Part A. Then he/she gets hospitalized. Immediately (within 6 mo) after being discharged from the hospital he/she applies...
by LSLover
Mon Apr 27, 2020 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part A
Replies: 5
Views: 363

Medicare Part A

Hypothetical scenario: One is Medicare-eligible but continues to be employed and is covered by a creditable group coverage (high deductible health plan) choosing not to apply for Part A. Then he/she gets hospitalized. Immediately (within 6 mo) after being discharged from the hospital he/she applies ...
by LSLover
Wed Apr 08, 2020 11:05 am
Forum: Personal Investments
Topic: Move Vanguard funds to Fidelity?
Replies: 20
Views: 1243

Re: Move Vanguard funds to Fidelity?

Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) is available as an ETF. Conversion will not be a taxable event.
by LSLover
Sat Mar 28, 2020 7:15 am
Forum: Personal Consumer Issues
Topic: Need a cheaper cell phone plan
Replies: 56
Views: 4449

Re: Need a cheaper cell phone plan

Starting this week AT&T and T-Mobile are offering a new 2GB plan for $15/mo (unlimited text and talk):

https://www.att.com/buy/wireless/prepaid/plans

https://prepaid.t-mobile.com/plan-detai ... le-connect
by LSLover
Wed Mar 25, 2020 8:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 455
Views: 76183

Re: Vanguard Municipal Money Market VMSXX 1.39%

Someone explain this to a neophyte. Is this likely to be a very temporary spike in yield for municipal? I've been in Treasury Money Market (preciously best tax equivalent yield), but I know rates are headed to zero there. Worth the switch? I understand it's trivially easy. Not worth it to me. Happy...
by LSLover
Fri Mar 20, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: [IRS tax filing deadline moved to July 15]
Replies: 55
Views: 3616

Re: NEW: 2019 FILING deadline moved to July 15

IlliniGuy wrote:
Fri Mar 20, 2020 7:58 pm
Here is the IRS notice announcing the change:

https://www.irs.gov/pub/irs-drop/n-20-18.pdf
Can somebody “translate” this in plain English as to whether this subsumes the June 15th estimated payment?
by LSLover
Tue Mar 10, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning questions around revocable trusts and types of accounts
Replies: 25
Views: 1220

Re: Estate planning questions around revocable trusts and types of accounts

As noted above, having the revocable trust provides for the trustee to take over your affairs if you become incapacitated. A will cannot do this. This is one of the main reasons/selling points of the local attorneys In my area for the living trust as opposed to a testamentary trust in a will. They ...
by LSLover
Sun Mar 08, 2020 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: CD early withdrawal penalty: 1099-INT line 2
Replies: 10
Views: 343

Re: CD early withdrawal penalty: 1099-INT line 2

The penalty for early withdrawal of savings is considered an adjustment to your income. This type of deduction reduces your adjusted gross income (AGI). Reducing your AGI reduces your taxable income and, by extension, lowers your tax.
by LSLover
Mon Mar 02, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Need a cheaper cell phone plan
Replies: 56
Views: 4449

Re: Need a cheaper cell phone plan

NDAMERICA wrote:
Sun Mar 01, 2020 6:47 pm
... and now a merger between Sprint and T-mobile coming.
That may actually be your best option... T-Mobile said that if/when they merge with Sprint, the joint company will offer a $15/mo plan with unlimited calls/text and 2GB of data.

If you can wait a few months...
by LSLover
Fri Feb 28, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29560

Re: Quicken 2019 and forward

michaeljc70 wrote:
Fri Feb 28, 2020 6:13 pm
I picked up the 14 month subscription from Amazon for $30. I won't install/activate until April since I am good until the end of April on my current product (Quicken 2017 Deluxe). Am I correct in thinking there are no substantial changes worth upgrading early?
None of any significance.
by LSLover
Tue Jan 14, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a Trust
Replies: 35
Views: 3585

Re: Should I get a Trust

.. Bsteiner, please help me understand the Maryland situation. Even if you typically manage to keep your legal fees under 50% (of the 3.6%), it still will be more in fees than the 1.75% fee charged in Delaware where you said that a revocable trust would make sense. Why wouldn’t it then make sense t...
by LSLover
Tue Jan 14, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a Trust
Replies: 35
Views: 3585

Re: Should I get a Trust

I have experience as executor of small estates in Maryland and Delaware. Maryland has a flat assessment of total assets going through probate, even for small estate (1.75% if I recall). Thus, trusts reduce the amount of the those assessments. However, your POD/TOD beneficiary designations achieve t...
by LSLover
Thu Dec 26, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 79466

Re: Fidelity Free Turbotax 2019

If you need both Quicken and TurboTax, here is the deal for you on Amazon: Steps: 1. Add 14-Month Quicken Deluxe Personal Finance to cart $27.50 https://www.amazon.com/gp/product/B07YNJWK59/ref=ox_sc_act_title_2?tag=slicinc-20&ascsubtag=aa516682282511eab52aee7b3f3e8d1f0INT&smid=A3ODHND3J0WMC8&psc=1 ...
by LSLover
Thu Dec 26, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 79466

Re: Fidelity Free Turbotax 2019

They don't seem to follow these guidelines as I never made that many trades (if any at all) and yet have been getting the software every year.
by LSLover
Sat Dec 07, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do annuities have a higher payout than SWR?
Replies: 53
Views: 3722

Re: Do annuities have a higher payout than SWR?

<snip...> If I die next month the insurance company would walk with my million. Is that right? Not necessarily. My wife/me have an SPIA which we purchased upon my retirement at joint age 59, back in 2007. Our SPIA contract states that the then current joint longevity was calculated for 27 years, wh...
by LSLover
Mon Dec 02, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29560

Re: Quicken 2019 and forward

Just to clarify you can buy all the subscriptions you want, you only can add them 6 months before you expire. If you buy from Amazon they have your digital order on file, just but it on your calendar to activate at 6 months before your subscription expires, Just be aware the aciviation codes expire...
by LSLover
Sat Nov 30, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Yet Another Retiring to Florida Thread - Pros/Cons
Replies: 87
Views: 8745

Re: Yet Another Retiring to Florida Thread - Pros/Cons

One of the Pros for the Florida is that there is no state income tax. It’s one of only five States in the US where that is the case. If you envision a good deal of income in your retirement years, this maybe a factor to consider.
by LSLover
Mon Nov 25, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Strange email from Synchrony about Amazon Prime Store Card
Replies: 35
Views: 9206

Re: Strange email from Synchrony about Amazon Prime Store Card

I have received two emails of similar content. I tired to reach a live person at Synchrony but after 30min hold, got disconnected. Seems like an issue with Synchrony Bank as opposed to Amazon.
by LSLover
Mon Nov 25, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Strange email from Synchrony about Amazon Prime Store Card
Replies: 35
Views: 9206

Re: Weird Email from Synchrony Bank

I have received two emails of similar content. I tired to reach a live person at Synchrony but after 30min hold, got disconnected. Seems like an issue with Synchrony Bank as opposed to Amazon.
by LSLover
Sun Nov 03, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1858

Re: Cell phone service

TMobile 55+ Plan has unlimited text, data and talk. Two lines $60, including all taxes and fees. Plus international calling and WiFi call. I think they can throttle data speeds at some point around 36 gigabytes. Btw, only one line needs to be for someone over 55. No age restrictions for the second ...
by LSLover
Thu Oct 24, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3727

Re: Executor for parent in Florida seeking guidance

... I understand about the POA and the banks. But what is the advantage of a trust in the Will as compared to a trust “outside” of the Will? I noticed that you invariably recommended a trust in the Will and I am struggling to understand the advantages of such setup. I'll create the trusts for the b...
by LSLover
Wed Oct 23, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3727

Re: Executor for parent in Florida seeking guidance

Bsteiner, what is your take on the frequently voiced argument that it’s better to create a living trust (as opposed to a trust in the will) that will facilitate the above-mentioned incapacity issues (and avoid the probate, to boot)? I would think that would happen less often in Florida since the Fl...
by LSLover
Wed Oct 23, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3727

Re: Executor for parent in Florida seeking guidance

Probating a Will is Florida is generally not difficult, expensive or burdensome. We probate lots of Wills throughout Florida. Probating the Will is usually a small part of the work involved in administering an estate. It involves filling out some forms and filing them with the court together with t...
by LSLover
Thu Oct 17, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 52
Views: 6661

Re: Cheap Cell Phone Plan

Tracfone Prepaid Smartphone Plan, 1 year w/ 1200 Min, 1200 Txt & 3GB Data $50. This "limited-time eBay-only" deal. A year of service and 3GB data for $50. 1200 minutes and 1200 texts, too. You have a choice of Verizon, ATT or TMO. https://www.ebay.com/itm/Tracfone-Prepaid-Wireless-Smartphone-Plan-SI...
by LSLover
Thu Oct 17, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 6327

Re: How to avoid Medicare IRMAA Surcharge

Let’s say you are subject to the 1st tier of IRMAA in 2020 because your 2018 MAGI was between $174K - $218K. However, you have retired in 2019 and, therefore, eligible for an appeal (work stoppage). After successfully appealing your Medicare premium in early 2020, it was reduced to the standard leve...
by LSLover
Tue Oct 15, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4671

Re: How much do you spend on cellular annually?

Nicolas wrote:
Tue Oct 15, 2019 7:44 am
$157.20 annually for two people on TracFone.
It breaks down as follows: 2 x $6.55/month (each) x 12 months/year = $157.20/year.
No taxes/fees?
by LSLover
Mon Oct 14, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard glitch] Your brokerage Consolidated Form 1099 is now available
Replies: 40
Views: 2256

Re: Odd time to receive 1099; Vanguard glitch

Spoke to Vanguard today. It was a computer mistake to send out those emails.
by LSLover
Mon Oct 14, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 52
Views: 6661

Re: Cheap Cell Phone Plan

Those of you who prepay your annual plan on Red Pocket or any other MVNO, do you get charged local cell phone taxes/fees monthly, upfront, or not at all?
by LSLover
Sun Oct 13, 2019 1:05 pm
Forum: Personal Investments
Topic: Vanguard Quicken download
Replies: 2
Views: 354

Vanguard Quicken download

For about a week now, my Vanguard brokerage account is failing to update in Quicken (Error Code: OL-221-A).

Does anybody have the same issue?
by LSLover
Fri Oct 11, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Crossing the IRMAA
Replies: 15
Views: 1491

Re: Crossing the IRMAA

Let’s say you are subject to the 1st tier of IRMAA (for 2019 that would be over $170K but below $214K) because your 2017 MAGI was between $170K - $214K. However, you have retired in 2018 and are also eligible for an appeal (work stoppage). After successfully appealing your Medicare premium in early ...
by LSLover
Wed Sep 18, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: How is IRMAA determined
Replies: 11
Views: 1303

Re: How is IRMAA determined

Stoic9 wrote:
Wed Sep 18, 2019 12:02 pm
I turn 65 in July 2022, at that time I have to take Medicare. Are rates set (IRMAA) based on my 2020 Income that I file (taxes) in April 2021?
Yes.
by LSLover
Wed Aug 21, 2019 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1360

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

As the original OP, I'll update this; if it can help anyone new to apply for Medicare. I did mine on-line, early May, 2019 (3 months before my early-August 65th birthday). A piece of cake. About 20 - 30 minutes, and that was being VERY careful, and double-checking all my responses before committing...
by LSLover
Mon Aug 19, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Maryland Living Trust
Replies: 12
Views: 1389

Re: Maryland Living Trust

Just set up a trust in your Will first for Shirley and then for the children or other remainder beneficiaries. Bsteiner, I am struggling to understand the advantages of a trust inside a will as opposed to just a living trust? Is there a significance to the trust being inside the will? A living trus...
by LSLover
Tue Aug 13, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 18432

Re: Unable to Log Into Vanguard

bck63 wrote:
Tue Aug 13, 2019 10:15 am
Is anyone else having trouble logging into their Vanguard account? I am unable to do so.
+1
by LSLover
Wed Jul 31, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 4665

Re: VOIP - what do you use?

Referencing my previous post on this thread. After porting my phone from Verizon it took a couple days for the house line to go dead. Shortly after it went dead I plugged a phone line from the Obi to the wall jack. The Obi powered six phones in my house (3 bedrooms, kitchen, family room and basemen...
by LSLover
Thu Jul 25, 2019 6:38 pm
Forum: Personal Investments
Topic: Do-it-yourself Joint Trust (MA) for Brokerage/Checking/House?
Replies: 7
Views: 566

Re: Do-it-yourself Joint Trust (MA) for Brokerage/Checking/House?

If for some reason that you didn't mention you still need one, you'll want separate ones. Joint revocable trusts are designed for community property, mainly California, but Massachusetts isn't a community property state. If most couple’s assets are held jointly, should they be split between husband...
by LSLover
Thu Jul 25, 2019 6:18 pm
Forum: Personal Investments
Topic: Do-it-yourself Joint Trust (MA) for Brokerage/Checking/House?
Replies: 7
Views: 566

Re: Do-it-yourself Joint Trust (MA) for Brokerage/Checking/House?

If for some reason that you didn't mention you still need one, you'll want separate ones. Joint revocable trusts are designed for community property, mainly California, but Massachusetts isn't a community property state. If most couple’s assets are held jointly, should they be split between husband...
by LSLover
Mon Jul 15, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 199
Views: 11852

Re: Medigap vs Advantage: Which did you select?

I did a lot of homework (5+ years ago as I launched into retirement) and this is what I chose and why: Traditional Medicare because I figured that if I wanted to switch to and Advantage plan in the future I could do that, but going from Advantage to traditional is not always possible given limitati...
by LSLover
Mon Jul 15, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 199
Views: 11852

Re: Medigap vs Advantage: Which did you select?

is there really going to be a G-HD? Yes. https://www.senior65.com/medicare/article/medigap-plan-f-2020-macra Speaking of Plan G-HD... For a reasonably healthy individual who can afford the very low 20% not paid by Medicare a high-deductible Medigap G (starting 01/01/20), provides the most provider ...
by LSLover
Mon Jul 08, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Avoid probate question
Replies: 6
Views: 947

Re: Avoid probate question

Why would you be concerned about probating a Will in New Jersey? It couldn't be easier. The court clerks will even fill out the forms for the executor. It would cost far more to do a revocable trust. You may want to provide (in your Will) for your daughter in trust rather than outright if there's a...
by LSLover
Sat Jul 06, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Internet/cellphone service woes..
Replies: 12
Views: 1744

Re: Internet/cellphone service woes..

Also, while you can only start Xfinity Mobile if you have Comcast internet, I think you can later drop their internet and maintain a mobile account for an extra $10/mo. Correct. You only need internet from Xfinity when you order your mobile service. After that you can drop Xfinity internet and pay ...
by LSLover
Sat Jun 29, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 455
Views: 76183

Re: Vanguard Municipal Money Market VMSXX 1.39%

Rates are going up again (if math is correct). 7 day SEC Yield is now 1.75%. In 32% bracket that's 2.57% equivalent. Might transfer back in to pick up the extra basis points next week These yield spikes have tended to be very short lived historically (usually lasting one month of part of one month)...
by LSLover
Thu Jun 27, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA in retirement - whose expenses
Replies: 23
Views: 1685

Re: HSA in retirement - whose expenses

Husband is 65+ and on Medicare. Wife is not eligible for Medicare yet. Can wife’s HSA be used to pay husband’s Medicare premiums after the husband’s HSA is exhausted? No. It can pay only the account holder's own Medicare premium. Does that change after both spouses are on Medicare? No, because Medi...