Search found 117 matches

by cas
Wed Oct 18, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Think About Roth Conversions and Retirement?
Replies: 14
Views: 1473

Re: Help Me Think About Roth Conversions and Retirement?

ps: There are also a series of 5 or 6 instantaneous medicare premium steps to watch out for, where if your AGI exceeds a threshold by $1, your premium jumps up to the next level. This can be a jump of $1000/yr per person or more. That was my cost when I did a few hundred dollars too much Roth conve...
by cas
Sat Oct 14, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7239

Re: Equifax - credit freeze is now free?

Maybe Equifax's web site is overloaded today, Saturday, Oct. 14th, 2017. I went to AnnualCreditReport.com this morning and requested credit reports from all 3 agencies. The first was Equifax. After answering their identify questions, I got a page saying my report was not available online, and I wou...
by cas
Sat Oct 14, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 1395

Re: HSA investment [use guaranteed 4% or use equities]

I work for a bank and my employer gives employees a 4% interest rate on HSA funds held at their bank. No fees. Is that 4% on a FDIC insured account? (Since you work for a bank, and it seems to be somewhat of an employee perk, maybe it is.) But 4% sounds high for an insured account these days. Somet...
by cas
Thu Oct 12, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2434

Re: Circumstances in which a freeze needs to be lifted

Yes. It was Equifax. I just mailed in the request today. I thought about sending it receipt requested for safety but then realized that they would be sending back the report in ordinary mail anyway. In the future, if you would prefer, the annualcreditreport.com automated phone method (as opposed to...
by cas
Thu Oct 12, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 30
Views: 2193

Re: Can't get Equifax report from Annual Credit Report site

My (recently implemented) security freeze was noted on the credit report. Was your freeze in place prior to trying the automated phone method for ordering your free report? Yes, the freeze was in place before I got the (annualcreditreport.com phone method) Equifax report. It was also in place for m...
by cas
Thu Oct 12, 2017 6:37 am
Forum: Personal Consumer Issues
Topic: equifax security freeze error and no PIN?
Replies: 15
Views: 646

Re: equifax security freeze error and no PIN?

So, I tried to put a security freeze on at Equifax. I filled out the form, clicked next and the browser spun for a while and then I got an error saying it was unable to process my request at this time. I went back later to try again, and the only option available at this point was to "unfreeze" my ...
by cas
Tue Oct 10, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 30
Views: 2193

Re: Can't get Equifax report from Annual Credit Report site

The number is 1-877-322-8228. You can find it by going to the "All About Credit Reports" tab on annualcreditreport.com and then on the left, "Getting your Credit reports." Thanks! The phone call process seems to have worked and claims that there should be 15 days processing time, and the report sho...
by cas
Sat Oct 07, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3530

Re: Equifax to offer free “credit freeze” for life

In late August, just before I headed out of the country on vacation, I went to AnnualCreditReport.com to get my credit report from Equifax. I pull a report every 4 months, and Equifax was up. I filled out the form and answered all the questions, but when I clicked to see the report, I was told they...
by cas
Thu Oct 05, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Health Savings Account recommendation
Replies: 22
Views: 1926

Re: Health Savings Account recommendation

Bogleheads Wiki "Health Savings Accounts", Custodians and Options section: https://www.bogleheads.org/wiki/Health_savings_account#HSA_custodians_and_options Morningstar white paper evaluating HSA administrators: google "Morningstar 2017 Health Savings Account Landscape filetype:pdf" (It is behind an...
by cas
Wed Oct 04, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7821

Re: New HSA provider Lively offers investments for $30/yr fee

This is a general question, and not in any way implying anything about Lively. They are probably a perfectly good company. They might even end up shaking up the HSA world and improving things for everyone. But, the idea of a brand new start-up non-bank HSA administrator got a question niggling aroun...
by cas
Tue Oct 03, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3530

Re: Equifax to offer free “credit freeze” for life

I am suspicious of their use of the words "lock and unlock" and that they say it is something they have to "develop." "Suspicious" does indeed seem to be what the consumer advocates and security experts are advising on this whole "lock" vs "freeze" lingo. For example (and these are brief quotes ......
by cas
Tue Oct 03, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11819

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Since credit freezes are another hot topic in recent weeks, here's a note: Late in the afternoon, Brian Krebs edited the article that Victoria refers to to add information on how credit freezes interact with Informed Delivery: Readers who have taken my advice to freeze their credit files with the fo...
by cas
Mon Oct 02, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 5423

Re: How long did it take for Equifax to email you a security sign up?

DiggleRex wrote:
Mon Oct 02, 2017 5:16 pm
Cas, I forgot to ask you something. Since Equifax is supposed to be waiving the $10 fee for the freeze, when you did it online successfully, did it not ask for any payment info?
It did not ask for any payment info. (And my state is one where it would have, and Experian/TransUnion did.)
by cas
Mon Oct 02, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 5423

Re: How long did it take for Equifax to email you a security sign up?

Thank you for your response. When you say all agencies, did you also do Innovis & Chex Systems or just the main three (I never heard of Innovis or Chex until finding this message board recently)? I need to open a new CD soon, so I haven't done Chex yet. Is this the link you used for Equifax?: https...
by cas
Mon Oct 02, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 5423

Re: How long did it take for Equifax to email you a security sign up?

In my case, I'm (unsuccessfully) trying to freeze my credit with them, rather than complete the credit monitoring sign-up, but this seems as good an active thread to vent on as any. My husband and I successfully froze our credit with the other relevant credit monitoring companies over the weekend (...
by cas
Mon Oct 02, 2017 5:03 am
Forum: Personal Finance (Not Investing)
Topic: IRS IP PIN [Identity Protection PIN]
Replies: 7
Views: 1523

Re: IRS IP PIN [Identity Protection PIN]

And then, even if one is eligible for the IP PIN ... and more relevant to the older posts on this thread ... the process of authenticating with the website in order to get the PIN seems to require more knowledge than can be gained on just the IP PIN pages. For example... "Get An Identity Protection ...
by cas
Mon Oct 02, 2017 4:52 am
Forum: Personal Finance (Not Investing)
Topic: IRS IP PIN [Identity Protection PIN]
Replies: 7
Views: 1523

Re: IRS IP PIN [Identity Protection PIN]

I know its old thread...checked the link too. Just to be clear : to get a PIN for tax filing , first we must write letter to IRS, asking for permission? Where do we send the letter? Also for married filing jointly do we both request 2 PINs? Appreciate insight! I'm not exactly sure what your startin...
by cas
Sun Oct 01, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 30
Views: 2193

Re: Problems obtaining a free annual Equifax credit report online

I don't expect a reply. Nice, concise feedback you gave to them. There are several reports on other threads on this topic on bogleheads where people filled out the annualcreditreport comment form complaining about the behavior, and a credit report appeared in the mail (unasked for) several weeks la...
by cas
Sun Oct 01, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 1424

Re: Medicare Cost Estimate

The lowest IRMAA bracket pays 25% of the true cost of Part B and D Medicare premiums (i.e. the government is providing a 75% subsidy). [/u][/b] I thought Part D was not subsidized by the government or Medicare system? My information is coming from Figures 1 and 3 (and related discussion) of "Medica...
by cas
Sun Oct 01, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 1424

Re: Medicare Cost Estimate

Point is, there's no upper limit on what Medicare IRMAA tiers can charge the "wealthy"... Under current law... The lowest IRMAA bracket pays 25% of the true cost of Part B and D Medicare premiums (i.e. the government is providing a 75% subsidy). The highest IRMAA bracket pays 80% of the true cost o...
by cas
Sun Oct 01, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 1424

Re: Medicare Cost Estimate

From pop-up 2.Medicare brackets aren’t adjusted for inflation. b.Because inflation drives salaries up, but the brackets that determine how much Medicare costs haven’t been adjusted (and we don’t expect this to change), often people pay rates in the top Medicare brackets. (With the talk about "Medic...
by cas
Sun Oct 01, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 1424

Re: Medicare Cost Estimate

There was a white paper on projected health care expenses in retirement that generated some discussion in these forums a few months ago. (This isn't the most commonly quoted-in-the-media Fidelity $275,000 projection.) IIRC, it had quite detailed tables (with discussions on how the figures were reach...
by cas
Sun Oct 01, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 1424

Re: Medicare Cost Estimate

From pop-up 2.Medicare brackets aren’t adjusted for inflation. b.Because inflation drives salaries up, but the brackets that determine how much Medicare costs haven’t been adjusted (and we don’t expect this to change), often people pay rates in the top Medicare brackets. (With the talk about "Medic...
by cas
Sun Oct 01, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 226
Views: 26533

Re: Identity theft

(bold added by me) My elderly father just called me and informed me that he was just notified by the company that holds one of his IRA's that all of the money has been withdrawn from the account. They also gave him a number to call in the event that this was an unauthorized withdrawal. You have prob...
by cas
Sun Oct 01, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze fees - taxable service in PA
Replies: 5
Views: 586

Re: Credit freeze fees - taxable service in PA

I'm also trying to figure out why I was charged $10.70 "including tax". PA sales tax is 6%. If the fee was $10, the correct amount should have been $10.60. Working backwards, $10.058 ( = $10.70 / (1- 0.06) ) would be the fee instead. I assume a sales tax should also be paid if fees are incurred for...
by cas
Sat Sep 30, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 30
Views: 2193

Re: Problems obtaining a free annual Equifax credit report online

Just curious, were all four of your questions nothing to do with you? I saw in old threads, some people said they were asked like 1 or 2 bogus ones but the rest had real answers. In my case, every time I tried, every question was bogus. Yes, all the questions were about loans I don't have. I got th...
by cas
Fri Sep 29, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 30
Views: 2193

Re: Problems obtaining a free annual Equifax credit report online

This isn't the first time I've gotten the nothing-to-do-with-me questions (and refusal to deliver credit report online) from Equifax. It has been going on at least 2 years for me. Searching the bogleheads forums, it has been going on for lots and lots for people for quite a few years ... so the curr...
by cas
Fri Sep 29, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 30
Views: 2193

Re: Can't get Equifax report from Annual Credit Report site

The number is 1-877-322-8228. You can find it by going to the "All About Credit Reports" tab on annualcreditreport.com and then on the left, "Getting your Credit reports." Thanks! The phone call process seems to have worked and claims that there should be 15 days processing time, and the report sho...
by cas
Fri Sep 29, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 30
Views: 2193

Re: Can't get Equifax report from Annual Credit Report site

I ignored the request to mail in more documents and went through the automatic phone system instead . I got my report by mail (shockingly) (bold added by me) I'm probably being blind, but I looked at annualcreditreport.com and the free credit report page of ftc.gov, and I'm not seeing a relevant ph...
by cas
Fri Sep 29, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Health savings account
Replies: 7
Views: 621

Re: Health savings account

Well, it all kind of depends what features are important to you. There doesn't seem to be a one-size-fits all best answer. This may be more information that you really wanted, but I would recommend 1. Google "Morningstar 2017 Health Savings Account Landscape filetype:pdf" (It is now behind an annoyi...
by cas
Thu Sep 28, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47181

Re: Equifax customer information leak

It also mentioned that the new CEO has promised to implement system by end January that "allows customers to fully control their own data"--whatever that means. The new CEO wrote an editorial in the Wall Street Journal where he announced that Equifax would be rolling out a new "credit lock" service...
by cas
Wed Sep 27, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7821

Re: New HSA provider Lively offers investments for $30/yr fee

It's pretty clear, they are making money by charging a low monthly fee that undercuts the competition. Same thing that Vanguard did to the mutual fund industry. Which "low monthly fee" are you talking about that Lively might be making money off of? -the $0/month deposit account fee for individuals ...
by cas
Wed Sep 27, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 91
Views: 7821

Re: New HSA provider Lively offers investments for $30/yr fee

HSA fees aggravate me as much as anyone else, so I would really be happy to see new entrants to the marketplace figure out a better way to do things. But ... something doesn't quite seem to add up here. What is so different about Lively that venture capitalists are putting money into them while, at ...
by cas
Tue Sep 26, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6432

Re: Wiki article - Credit freeze

EDIT: The Experian security freeze link has not been working for me for three days now. Is it my security settings, or is it the website? Does anyone else have any trouble getting the page to load through this link? How do I place a security freeze on my Equifax credit file? The easiest and fastest...
by cas
Tue Sep 26, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 35
Views: 5206

Re: Equifax Credit Freeze 100% online

I called Equifax "Security Freeze Department" and, after holding for 27 minutes, the CS rep . . .explained that it was a common occurrence to have a freeze occur and, due to web site traffic, be then disconnected without confirmation or a PIN . . . [and] told me to expect to receive my PIN in the m...
by cas
Tue Sep 26, 2017 5:12 am
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 5423

Re: How long did it take for Equifax to email you a security sign up?

I'm interested in continuing to hear whether people are succeeding or failing in getting Equifax to do *anything* for them. In my case, I'm (unsuccessfully) trying to freeze my credit with them, rather than complete the credit monitoring sign-up, but this seems as good an active thread to vent on as...
by cas
Thu Sep 21, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for my 87 year old Dad
Replies: 9
Views: 1081

Re: Advice for my 87 year old Dad

Tax Filing Status: Widower Tax Rate: 28% Federal, 5.525 State Income: RMD($4500), SS(1600) per month Questions: 1. I think (but am not sure) is that his biggest issue in trying to move to Vanguard Funds is capital gains? Given his federal tax bracket, if he has additional realized capital gains, an...
by cas
Wed Sep 20, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Tracking HSA investment income/cost basis for CA state taxes
Replies: 17
Views: 1334

Re: Tracking HSA investment income/cost basis for CA state taxes

Select Account appears that it'll let me have a Schwab brokerage account once my balance gets to $10,000, which should happen in January: https://www.selectaccount.com/products/hsa/#investments <skip> The complications here are why I was happy with Alliant, until they decided to get out of the HSA ...
by cas
Tue Sep 19, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 27
Views: 2521

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

I was able to find at least some data on how much money is in index/passive vs. active funds (which I can't find again now), and while it showed that we aren't yet to most money being in index funds, that is at least the trend. . . . (If someone can point to solid data on this, I'd appreciate it) A...
by cas
Mon Sep 18, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Experian takes money but doesn't Freeze
Replies: 12
Views: 1346

Re: Experian takes money but doesn't Freeze

If you are successful the phone recording says they will mail you the pin but I was able to get my pin online a couple of days later here: https://www.experian.com/ncaconline/freezepin I probably don't want to know, but when you used the above form, did you have to answer the infamous security ques...
by cas
Mon Sep 18, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Experian takes money but doesn't Freeze
Replies: 12
Views: 1346

Re: Experian takes money but doesn't Freeze

YES, all the time! Do it via telephone; it is surprisingly easier than online; it only asks you ssn/dob/zip that's it! then it makes you listen to entire 50 states for the price and then asks you for your credit card number and expiry date. The lax of any security feature on this mode is just atroc...
by cas
Mon Sep 18, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2898

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

A year later I tried to enroll Dad in Social Security Online. The system wouldn't take it, so I finally called the SS office and asked for help. It turned out that their database verified account IDs by using the credit bureaus (in this case, Experian) but the freeze was locking out the SSA. I trie...
by cas
Mon Sep 18, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2898

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

Thanks for taking the time to type your story out for me. I tried unlocking Dad's freeze (several times, including paying the fees) and we could never get it to work. That isn't encouraging. I wonder what percentage of people who are trying to do thaws for themselves (never mind the added complicati...
by cas
Wed Sep 13, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Inactive Vanguard Accounts
Replies: 5
Views: 435

Re: Inactive Vanguard Accounts

Are the accounts IRAs or taxable? [Edit: whoops. Now I see you said after-tax.] I was once trying to figure out why HSA accounts are much more subject to unpleasant inactivity surprises than the brokerage/mutual fund accounts I was used to and found the info below. (A google search is the sum total ...
by cas
Tue Sep 12, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2898

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

--> But once the person is incapacitated, it's obviously too late to complete the specific preferred "own form" from specific financial institutions, even so that accounts can be transferred to a vendor that *does* allow full PoA access, etc. So try to identify *al* financial institutions (includin...
by cas
Tue Sep 12, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2898

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

Keep in mind that your having POA does not keep them from acting on their own. You'd have to have conservatorship for that. Right. But my question in this particular post is dealing with the situation I've been seeing my older cousins dealing with, where a parent is physically (e.g. stroke) or ment...
by cas
Tue Sep 12, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2898

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

As far as a strategy for tax returns, the best may be to plan withholding to owe a very slight amount of tax (no refunds). It would be nice if this strategy was possible, but my parents belong to a generation that did most of their saving and portfolio construction before 401(k)s or index funds (or...
by cas
Tue Sep 12, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2898

Re: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

Re bank accounts: Is setting up joint accounts with you a possibility? The revocable trust/trustee set-up takes care of most financial accounts. But being trustee isn't applicable to much of the other administrivia of financial life, like credit, taxes, utilities, insurance, etc. In theory, DPOA ta...
by cas
Tue Sep 12, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?
Replies: 36
Views: 2898

dementia, POA, credit freezes, and IRS tax return PIN - what am I getting into?

Like many of you, I have Power of Attorney for elderly parents. (I also am trustee of their revocable trusts, but that probably isn't relevant to this post, which is a question about credit freezes and other identity security measures.) One parent already has moderate dementia. The other parent is f...
by cas
Tue Sep 05, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: HSA payroll deduction vs direct contribution
Replies: 3
Views: 422

Re: HSA payroll deduction vs direct contribution

Where I live, HSA contributions by payroll deduction are exempt from local income taxes. Direct contributions are not. (That is - my local income taxes are calculated using their own form that, unlike state income tax calculations, uses W2 Box 3 wages (i.e. it would pick up HSA payroll deductions), ...