Search found 136 matches

by Looking4Answers
Sat Nov 17, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 30
Views: 4946

Re: interesting call with my 80yr old mothers Fidelity advisor

I am in a similar position with Fidelity and a family member. There are reasons why this person has their assets with Fidelity, and I do not need the responsibility of taking it over or telling them to move their assets. However, I do review their accounts and over the years have dealt with three di...
by Looking4Answers
Mon Nov 12, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Wanting to move my family but where to begin?
Replies: 21
Views: 2437

Re: Wanting to move my family but where to begin?

www.city-data.com is a very good place to get information, both for statistics and to ask questions
by Looking4Answers
Sat Nov 03, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Using drug discount coupons affecting deductible?
Replies: 26
Views: 1620

Re: Using drug discount coupons affecting deductible?

Pharmacist here, let me weigh in. There is some confusion here between discount cards and what I call copay or coupon cards. Discount cards are things like Goodrx,familywise, Louisiana state university discount card ect ... these cards bring the copay(patient pay amount) down to a certain amount so...
by Looking4Answers
Fri Nov 02, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Using drug discount coupons affecting deductible?
Replies: 26
Views: 1620

Using drug discount coupons affecting deductible?

I have been on two different insurance plans this year because of change of employment. Because of this and other reasons, I have also used two different pharmacies. My current health plan does not pay for prescriptions until I meet my deductible. Yesterday my doctor's office mistakenly called in my...
by Looking4Answers
Wed Oct 31, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3430

Re: Planning first international trip - London/Paris

The Rick Steves travel forum is a great place to get advice and ask questions. https://community.ricksteves.com/travel-forum/england
by Looking4Answers
Thu Oct 11, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: How important is it that dentist is member of ADA?
Replies: 13
Views: 1286

How important is it that dentist is member of ADA?

I may have to find a new dentist in my area, and have been asking friends, searching reviews on Internet, etc. How important is it that a dentist be a member of the American Dental Association? What are the main reasons a dentist would, or would not, be a member? Or the state dental association?
by Looking4Answers
Wed Oct 03, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Best Forums Guide!
Replies: 7
Views: 1068

Re: Best Forums Guide!

www.agingcare.com has a good caregiver forum
by Looking4Answers
Wed Sep 19, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity-Very Negative Experience with Inheritance Services
Replies: 9
Views: 2843

Re: Fidelity-Very Negative Experience with Inheritance Services

[q Of note, I went through the same process with TIAA. TIAA was fast, responsive, and even compassionate. [/quote] What type of investments were being divided (I assume in thirds) by TIAA? I have had one experience with an inherited Fidelity account, with only mutual funds and stocks. No complaints....
by Looking4Answers
Tue Sep 18, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1667

Re: Inexpensive source for greeting cards?

If you live near a Dollar Tree they have recently added a line of cute cards. I think some are 2 for $1. Others $1. Other discount stores like Big Lots also have cheaper cards.
by Looking4Answers
Wed Aug 29, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Big change in HOA - questions to ask, rights of homeowners?
Replies: 12
Views: 1899

Re: Big change in HOA - questions to ask, rights of homeowners?

We were given two documents: one which outlines the covenants and restrictions for the homeowners and the second which is the by-laws for the homeowners association. I see no mention of what happens once the bank is out of the picture. I did note, however, that the majority does not rule. Even if th...
by Looking4Answers
Wed Aug 29, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Big change in HOA - questions to ask, rights of homeowners?
Replies: 12
Views: 1899

Big change in HOA - questions to ask, rights of homeowners?

DH & I bought a house in subdivision with a HOA. When we bought home there were few houses, and situation seemed similar to what we had experienced in other places - a HOA on the books with no fees, but just a technicality. This was a subdivision that was started by a builder whose project went bank...
by Looking4Answers
Fri Aug 24, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for 86 year old
Replies: 14
Views: 1284

Re: Asset Allocation for 86 year old

One thing with limited agent authorization -- I can't move any of the assets from Vanguard (that would require full agent authority). But I was thinking along the lines of what you said -- with a CD. Have to look up what happens if/when my dad passes away -- I know that regular CDs have penalties i...
by Looking4Answers
Fri Aug 24, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for 86 year old
Replies: 14
Views: 1284

Re: Asset Allocation for 86 year old

Your post is very interesting to me as I am in a similar position with a parent, except their money is at Fidelity. Lower balance than yours, no Roth, and higher percentage of bonds. I had moved some of the money from stock funds into brokered CDs in order to keep money in something more stable but ...
by Looking4Answers
Sat Aug 11, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Alexa for seniors, especially blind or low vision
Replies: 13
Views: 1195

Alexa for seniors, especially blind or low vision

Have had someone suggest an elderly family member might benefit from having Alexa in home. Main reason because this person is legally blind and not able to use Internet, etc. However, they presently do not have the Internet (and no desire for it at present). Not sure it would be worth getting Intern...
by Looking4Answers
Wed Jul 18, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1802

Re: sams club - new member

You might consider getting a Sams Club Mastercard. 5% back on gas purchases, 3% on restaurant and travel. No transaction fee on international travel.
by Looking4Answers
Wed Jun 20, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: should my parents start a roth ira when 60 years old?
Replies: 8
Views: 1036

Re: should my parents start a roth ira when 60 years old?

Also, as was mentioned earlier, contributing to a Roth could give them savers credit on their tax return. There could even be a benefit to opening a ROTH IRA CD. At least they wouldn't have to pay tax on the interest.
by Looking4Answers
Wed Jun 20, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: should my parents start a roth ira when 60 years old?
Replies: 8
Views: 1036

Re: should my parents start a roth ira when 60 years old?

Not sure if my experience will be in any way comparable to yours, but when my father died in his 70's I helped my mother with some investments. She inherited a traditional IRA from my father, and I wondered if she should go ahead and convert some of it a Roth. Everything I read seemed to indicate it...
by Looking4Answers
Tue Jun 19, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 4271

Re: Article on hotel booking sites - no bargains

The title of the OP ends with "no bargains". "no bargains" was an attempt to comment on the overall impression of the article's summary of the change in using booking sites to find a bargain as compared to the past, not to imply no bargains can ever be found anywhere. Doubt I would have made the po...
by Looking4Answers
Mon Jun 18, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 4271

Article on hotel booking sites - no bargains

Came across this article which shows the majority of booking sites are all owned by two companies and how hotels are penalized if they offer bargains outside these arrangements. Thoughts on getting hotel deals? https://www.checkbook.org/washington-area/hotel-deals/articles/The-Disappearing-Hotel-Bar...
by Looking4Answers
Sun Jun 17, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: New Capital One 360 ACH limits
Replies: 63
Views: 15614

Re: New Capitol One 360 ACH limits

Been doing the same. Their recent redesign has made simple tasks frustrating. I miss when it was ING. Agree 100%. A "simple" interface makes tasks more complicated in this case. +1, recently tried to contact customer service to ask a question and after being on hold, transferred, disconnected, etc....
by Looking4Answers
Mon Jun 04, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: FedEx Home Delivery and PO box
Replies: 15
Views: 1420

Re: FedEx Home Delivery and PO box

This might not apply to the package in question, but I signed up for Fedex Delivery Manager. It is free and does give options on certain packages. I recently had a delivery changed to another address for a $5.00 charge. I also arranged for another package to be held at a local Walgreens for pick up....
by Looking4Answers
Sun Jun 03, 2018 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 9967

Re: Rolling over a Roth 401(k) containing employer match

Since he got two checks, I don't think it is ambiguous. I think the check being discussed was for the Roth 401k and it includes some earnings that are not available without penalty until over 59.5 unless converted to Roth by paying taxes now. Assuming one is no longer employed there, one may simply...
by Looking4Answers
Sun Jun 03, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 9967

Re: Rolling over a Roth 401(k) containing employer match

Received check and distribution statement from my husband's former Roth 401k managed by Fidelity. Had requested check written to Merrill Edge where existing Roth IRA is held. When rollover was requested Fidelity said they would send two checks from Roth 401k account. However, we only received one c...
by Looking4Answers
Sun Jun 03, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 9967

Re: Rolling over a Roth 401(k) containing employer match

c) Is "rollover over" a typo?

[/quote]

Typo corrected: Rolled over
by Looking4Answers
Sun Jun 03, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 9967

Re: Rolling over a Roth 401(k) containing employer match

I, too, had assumed that it was the employer match. Fidelity actually sent two checks, one for the regular 401k, and one for the Roth. Regular 401k had rollover money from a previous 401k, our contributions, employer match, and earnings from all sources. However, there is no breakdown on the statem...
by Looking4Answers
Sun Jun 03, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 9967

Re: Rolling over a Roth 401(k) containing employer match

retiredjg wrote:
Sun Jun 03, 2018 2:32 pm
Is the check made out to Merrill Edge or to Merrill Edge FBO your husband's account?

I don't know if it makes a difference, I'm just looking to learn something. I've only heard of the FBO way. FBO means "for the benefit of".
Merrill Edge FBO husband's account
by Looking4Answers
Sun Jun 03, 2018 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 9967

Re: Rolling over a Roth 401(k) containing employer match

Check is made out to Merrill Edge. Think we will need to call Fidelity to get clarification - just need to make sure I ask the right questions. Don't know how to keep original formatting, but the statement is something like this: Roth+++ Total Distribution $9851.77 Return of Roth After-Tax Contribut...
by Looking4Answers
Sun Jun 03, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 9967

Re: Rolling over a Roth 401(k) containing employer match

I took the $1056.18 to be the employer match. After reading what Alan said and re-reading the earlier post, I now think the $1056.18 was earnings that have occurred inside the Roth 401k. I, too, had assumed that it was the employer match. Fidelity actually sent two checks, one for the regular 401k,...
by Looking4Answers
Sun Jun 03, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 9967

Re: Rolling over a Roth 401(k) containing employer match

After reading more on this topic elsewhere, it seems that the employer match was not actually in the Roth 401k, so if we roll it over into Roth IRA it would be the same as a conversion from IRA to Roth IRA which would not count as a new contribution as far as limits on any other IRA contributions we...
by Looking4Answers
Sat Jun 02, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over a Roth 401(k) containing employer match
Replies: 32
Views: 9967

Re: Rolling over a Roth 401(k) containing employer match

Received check and distribution statement from my husband's former Roth 401k managed by Fidelity. Had requested check written to Merrill Edge where existing Roth IRA is held. When rollover was requested Fidelity said they would send two checks from Roth 401k account. However, we only received one ch...
by Looking4Answers
Sat Jun 02, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do you repay back a 401k loan
Replies: 21
Views: 2034

Re: How do you repay back a 401k loan

DH & I recently paid off a 401k loan. Loan was originally for 5 years, paid off by payroll deductions. The plan allowed for one lump sum payment to pay down balance aside from the payroll deductions. However, before we ever considered that, the plan changed and removed that option. The only choices ...
by Looking4Answers
Fri Jun 01, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best CashBack creditCard with no foreign transaction fee.
Replies: 23
Views: 2954

Re: Best CashBack creditCard with no foreign transaction fee.

Capital One Quicksilver and Sam's Club Mastercard.
by Looking4Answers
Tue May 29, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 8067

Re: Advice on neighbor not keeping up his property...

carguyny wrote:
Tue May 29, 2018 12:04 pm

4. If you're embarrassed to have people over because of your neighbor, they're probably not good friends.
+1
by Looking4Answers
Wed May 23, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 138
Views: 13400

Re: US T bills - first time user

This might merit its own post, but I have some of the same questions about T Bills. However, I wonder about using Merrill Edge. I have seen recommendations in the past for Fidelity for this, but have incentive to keep transactions at Merrill Edge for Preferred Rewards. Any pros/cons to using Merrill...
by Looking4Answers
Tue May 22, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: property tax assessment
Replies: 9
Views: 1043

Re: property tax assessment

I found your post of interest because we recently filed an appeal on our tax valuation and are awaiting outcome. Our house is new and valuation was over $20,000 more than we paid just two years ago. Our house is also the cheapest in our neighborhood. I have no idea what the result of our appeal will...
by Looking4Answers
Fri May 18, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1762

Re: Registering complaint with American Airlines/American Eagle?

How many other people, if any, missed the flight? I'm not sure what the issue is. There's a boarding time when all passengers are expected to be at the gate, even if you're zone seven on a basic economy fare and everyone knows you'll board last. Anytime I'm working in an airport lounge or not going...
by Looking4Answers
Fri May 18, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1762

Re: Registering complaint with American Airlines/American Eagle?

I was not there so everything I say is secondhand. There did seem to be some confusion as to the gate layout, and my husband was in line to ask about departure well before the 15 minutes. However, there was a line to get to desk and evidently before he actually was able to talk to someone it was pr...
by Looking4Answers
Fri May 18, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1762

Re: Registering complaint with American Airlines/American Eagle?

I was not there so everything I say is secondhand. There did seem to be some confusion as to the gate layout, and my husband was in line to ask about departure well before the 15 minutes. However, there was a line to get to desk and evidently before he actually was able to talk to someone it was pro...
by Looking4Answers
Fri May 18, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1762

Re: Registering complaint with American Airlines/American Eagle?

The blame falls on him for not paying attention to what was going on at the gate at boarding time. If I were AA I wouldn’t give him anything other than a seat on the next flight. Was he not waiting at the gate, or did he not wonder why people were lined up before departure at the boarding door? You...
by Looking4Answers
Fri May 18, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1762

Registering complaint with American Airlines/American Eagle?

DH was at airport this morning to take early American Eagle (under American Airlines) flight at Charlotte, NC. He was listening to all the flight announcements, but his flight was never announced. Finally went to desk and they told him everyone had been lined up for flight so they did not make annou...
by Looking4Answers
Wed May 16, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 2162

Re: Why can't you rollover a retirement account into another one that you no longer work at?

Let me preface this by saying that I don't know much about retirement accounts. This was not your question, but I would say at this point don't worry about not being able to roll over the accounts. Just be glad that you've been able to save them and take your time to educate yourself on retirement ...
by Looking4Answers
Fri May 11, 2018 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Paying Roth conversion taxes with IRA funds
Replies: 7
Views: 801

Re: Paying Roth conversion taxes with IRA funds

Don't know if this would be a factor for OP, but if there is a spouse involved there might be an added reason to convert earlier. Surviving spouse likely will be forced into a higher bracket when RMDs are being withdrawn from TIRA.
by Looking4Answers
Mon May 07, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Calling from landline to cellphone with long distance area code
Replies: 8
Views: 934

Re: Calling from landline to cellphone with long distance area code

Thanks for responses. Just found that he can indeed call me without it costing extra. I jumped the gun. I have a tendency to overthink everything.
by Looking4Answers
Mon May 07, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Calling from landline to cellphone with long distance area code
Replies: 8
Views: 934

Re: Calling from landline to cellphone with long distance area code

Does his company pay for "Long Distance" calls? I thought Long-Distance calling between area-codes in the US was a thing of the past - I thought all phone planes (cell, landline, VoIP, etc.; residential & business) come with National calling as a standard feature. Is this not the case? I have to ch...
by Looking4Answers
Mon May 07, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Calling from landline to cellphone with long distance area code
Replies: 8
Views: 934

Calling from landline to cellphone with long distance area code

My husband just started working at a location where his cell phone does not work. He does have access to his computer e-mail. I can call his work phone from my cellphone, but if he calls me it would be a long distance call because my cellphone does not have the same area code. Our home phone is VOIP...
by Looking4Answers
Thu May 03, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Swollen Emergency Fund....What now?
Replies: 43
Views: 3721

Re: Swollen Emergency Fund....What now?

Local banks do not pay as much interest on savings, but I have found that they sometimes can come close on CD interest. Also Treasury bonds can give you interest that is tax-free from state tax.
by Looking4Answers
Thu May 03, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Blink Health - anyone use for prescriptions?
Replies: 0
Views: 336

Blink Health - anyone use for prescriptions?

Came across an article mentioning Blink Health. You pay online and pick up at a local pharmacy. Does anyone have any experience with them?
by Looking4Answers
Thu May 03, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Scriptsave Wellrx - anyone familiar?
Replies: 2
Views: 426

Re: Scriptsave Wellrx - anyone familiar?

Not this one in particular, but all the prescription discount plans work basically the same way. Instead of your insurance codes you give the pharmacist the codes from the discount plan, then you get a pre-negotiated price for the drug. I like the ones that have apps where you can easily look up a ...
by Looking4Answers
Wed May 02, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Scriptsave Wellrx - anyone familiar?
Replies: 2
Views: 426

Scriptsave Wellrx - anyone familiar?

DH is starting new job and will have options for 3 insurance policies, 2 that have drug co-pays and 1 HDHP. I have been comparing costs of drugs and intially had seen mention of Goodrx and Sams Club pharmacy. However, I have also now come across an app/card for Scriptsave Wellrx which supposedly sav...
by Looking4Answers
Tue May 01, 2018 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Transferring out of Wealthfront: Which brokerage?
Replies: 8
Views: 1096

Re: Transferring out of Wealthfront: Which brokerage?

If you wanted to open a Bank of America bank account, you would qualify for free trades at Merrill Edge for any ETF. (30 per month for $50,000 balance and 100 per month for $100,000 balance)