Search found 108 matches

by rivercrosser
Tue Jun 09, 2020 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: High deductible Plan G medigap
Replies: 74
Views: 3700

Re: High deductible Plan G medigap

The ideal candidate for a high-deductible Medicare Supplement Plan is someone with a large HSA account balance to self-insure the deductible. Medicare Supplement Plan premiums are not an HSA qualified medical expense, but out-of-pocket costs until the deductible is met are. I'm going to use up my H...
by rivercrosser
Tue Jun 09, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: High deductible Plan G medigap
Replies: 74
Views: 3700

Re: High deductible Plan G medigap

You can't predict the future. Went on medicare this past February. I was tempted to go with an advantage plan. Ended up going with a regular plan G and basic part D. Didn't think I had any major health problems. Wasn't taking any prescriptions, hadn't been to a doctor for years. About a month ago I ...
by rivercrosser
Sun May 24, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security login problem
Replies: 16
Views: 2194

Re: My Social Security login problem

They have had trouble with it checking your credit info for a good while. I was able to sign up for SS online but could not set up a online account. Had to go by the SS office to get a acess code from them. No problem setting it up after that.
by rivercrosser
Thu May 21, 2020 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 71
Views: 4815

Re: Turning 65, Medicaire questions

A couple of things to consider if you decide to go with Medicare plus supplemental. Choose the plan that makes the most sense for you and then the lowest cost provider for that plan. Don't worry about customer satisfaction ratings of the supplement company. The truth is that you will never deal wit...
by rivercrosser
Thu May 21, 2020 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 71
Views: 4815

Re: Turning 65, Medicaire questions

A couple of things to consider if you decide to go with Medicare plus supplemental. Choose the plan that makes the most sense for you and then the lowest cost provider for that plan. Don't worry about customer satisfaction ratings of the supplement company. The truth is that you will never deal wit...
by rivercrosser
Wed May 20, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 71
Views: 4815

Re: Turning 65, Medicaire questions

I turned 65 this past February. Went with a plan G supplement and part D with local CVS. Hadn't been to doctor for years. Thought I was doing everything right. Don't smoke or drink. Get plenty of exercise. Two weeks ago this past Sunday I ended up in ER with a kidney stone. Then last Thursday had a...
by rivercrosser
Tue May 19, 2020 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 71
Views: 4815

Re: Turning 65, Medicaire questions

I turned 65 this past February. Went with a plan G supplement and part D with local CVS. Hadn't been to doctor for years. Thought I was doing everything right. Don't smoke or drink. Get plenty of exercise. Two weeks ago this past Sunday I ended up in ER with a kidney stone. Then last Thursday had a ...
by rivercrosser
Thu May 07, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9635

Re: Amazon Prime Membership Question

If I’m cutting cable for TV maybe I should for Internet as well? What do people use for internet other than cable service? And landline phone? We use one for the home office dental practice my husband has. Out of town couple miles here. No cable available. Using antenna for regular tv with a Tivo w...
by rivercrosser
Wed May 06, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9635

Re: Amazon Prime Membership Question

The 5% back on my card helps pay for mine. The faster shipping doesn't make much difference for me on most orders. What makes it worthwhile to me me is the video service and the photo storage. Watching the new season of Bosch right now. I have my phone and computer synced to automatically backup our...
by rivercrosser
Thu Apr 30, 2020 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Safe Driving App
Replies: 45
Views: 3223

Re: State Farm Safe Driving App

In terms of speeding the program is not strict with the speed limit so +/-5 is fine. I am not suggesting you speed but you aren't penalised for speeding unless you go 10mph over. I don't think it is particularly strict on braking etc either so don't worry about it. There are a lot of misconceptions...
by rivercrosser
Thu Apr 30, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Safe Driving App
Replies: 45
Views: 3223

Re: State Farm Safe Driving App

Thanks for everyone's replies. We have 2 cars. I have a smarphone but my wife does not. Can we still use this feature for both cars? If she's the only one that drives one of the vehicles it wont work. It uses the smart phone to function. If you drove it some you may get by with it. Every so often i...
by rivercrosser
Thu Apr 16, 2020 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 359
Views: 28766

Re: just got my $1200 stimulus payment

We had to pay in for 2019 and setup our checking account and routing numbers on the tax forms. They removed the taxes owed from our checking account. Just as long as we have the routing and checking account numbers on our 2019 tax form we'll get the money direct deposited? Same situation here. Paid...
by rivercrosser
Sat Apr 11, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 359
Views: 28766

Re: just got my $1200 stimulus payment

We had to pay in for 2019 and setup our checking account and routing numbers on the tax forms. They removed the taxes owed from our checking account. Just as long as we have the routing and checking account numbers on our 2019 tax form we'll get the money direct deposited? Same situation here. Paid...
by rivercrosser
Fri Mar 27, 2020 11:33 am
Forum: Personal Investments
Topic: How can I sell this CD on Vanguard?
Replies: 3
Views: 266

Re: How can I sell this CD on Vanguard?

Give vanguard a call. They will get you to the right person and walk you through the process. I sold bunch of CDS last fall. Was easy to do.
by rivercrosser
Thu Mar 19, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: Device For Streaming HBO Now
Replies: 13
Views: 652

Re: Device For Streaming HBO Now

Works good on my firestick.
by rivercrosser
Sun Mar 15, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: Inkjet Printers: Refilled and Third Party Cartridges
Replies: 22
Views: 912

Re: Inkjet Printers: Refilled and Third Party Cartridges

Got an older HP printer here. I bought the HP ink for a long time. Last few years I've been buying OSIR brand ink from Amazon. Have had good luck with it. Only had one yellow cartridge give me a problem. It's so cheap compared to HP ink and my printer is old it's a no brainer for me. Like someone el...
by rivercrosser
Thu Mar 12, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC Insurance Calculation
Replies: 7
Views: 455

Re: FDIC Insurance Calculation

One other thing. If you have it in a IRA at a single bank you will only have $250,000 coverage no matter how you do the beneficiaries.
by rivercrosser
Thu Mar 12, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: New State Farm Coverages
Replies: 50
Views: 20021

Re: New State Farm Coverages

Same here. Checked into to it in early 2019. Was a bargain but they wouldn't let me add it to my policy till it was due in June. By then the price had went up. Lady I know at my local office said State Farm had miscalculated the original numbers. I went ahead and put it on mine anyway. I've got a we...
by rivercrosser
Mon Mar 09, 2020 11:23 am
Forum: Personal Investments
Topic: Funding Spousal IRA through Other Spouse's Vanguard Account?
Replies: 4
Views: 220

Re: Funding Spousal IRA through Other Spouse's Vanguard Account?

Doesn't mater where the money comes from as long as the person who owns the IRA has enough earned income and qualifies with income limits etc.
by rivercrosser
Sat Mar 07, 2020 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Authority/Old National or Optum Bank for HSA? Other?
Replies: 18
Views: 1145

Re: HSA Authority/Old National or Optum Bank for HSA? Other?

Mines with Optum. I went on medicare last month so the company I retired from quit paying the monthly fee. You have to keep at least $5,000.00 in the cash part of HSA to keep from paying the fee. Had a little under $5,000.00 in the cash portion of mine so I just moved some over from the investment s...
by rivercrosser
Thu Feb 27, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries/TOD for Vanguard Joint Account
Replies: 37
Views: 8008

Re: Beneficiaries/TOD for Vanguard Joint Account

Ran into the same issue with Vanguard several years back with our taxable account. What I did was just put the account in my name with wife as 100% primary beneficiary and our two grown children secondary 50% each. Money we had in that account would not have been needed that quick and if something h...
by rivercrosser
Thu Feb 27, 2020 11:41 am
Forum: Personal Investments
Topic: quick question about roth IRA married couple contribution
Replies: 4
Views: 194

Re: quick question about roth IRA married couple contribution

Doesn't matter if only one of you is working as long as one of you have enough earned income. I've been retired for 3 years but I still fully fund both of our Roth's as soon as I see the wife has enough income for the year. I think I'm finally going to get her to retire this fall so probably be the ...
by rivercrosser
Tue Feb 25, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Microsoft Edge for FAFSA (StudentAid.Gov)
Replies: 7
Views: 606

Re: Microsoft Edge for FAFSA (StudentAid.Gov)

The new Chromium version of edge works better than the old edge.
by rivercrosser
Tue Feb 25, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution--calculation of Net Investment Income
Replies: 10
Views: 400

Re: Excess HSA contribution--calculation of Net Investment Income

Did you try to get the previous place you had it to calculate the income on your excess contribution? I just went on medicare in February so I was only eligible for January to put in my HSA. The company I had retired from 3 years ago put $500.00 in mine the end of January so I went ahead and removed...
by rivercrosser
Fri Feb 14, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: AT&T landline versus VOIP
Replies: 26
Views: 1822

Re: AT&T landline versus VOIP

We had a AT&T landline on copper for 40+ years. Had a lot of trouble with noise etc. over the years. Was paying about $50.00 a month for a basic line with no long distance or any other features. We have cell phones but wife didn't want to give up the landline. Little over a year ago I looked into St...
by rivercrosser
Thu Feb 13, 2020 3:51 pm
Forum: Personal Investments
Topic: CD's: Bank vs Brokered
Replies: 7
Views: 873

Re: CD's: Bank vs Brokered

One advantage of brokered CD's is if you have them in a IRA you can have them all FDIC insured by choosing different banks within one brokerage account. No way to get over the $250,000 limit at most regular banks (unless they are in a CDARS network) and be fully insured.
by rivercrosser
Mon Feb 10, 2020 11:03 pm
Forum: Personal Consumer Issues
Topic: Bank of America Tax Forms - or no tax forms b/c interest <$10
Replies: 12
Views: 1282

Re: Bank of America Tax Forms - or no tax forms b/c interest <$10

They should change the rules. If they want you to report less than $10.00 then you should get a 1099. We have accounts at several banks. Wife has checking account and a CD at one. Both joint accounts. Some how she's got the CD tied to my SS number first and her checking account is tied to her SS num...
by rivercrosser
Wed Jan 29, 2020 6:14 pm
Forum: Personal Investments
Topic: Capital Gains Tax on a Brokered CD
Replies: 8
Views: 623

Re: Capital Gains Tax on a Brokered CD

I've had quite a few brokered CD's. This was the first time I ever sold any before they matured. I was doing a test run in TurboTax and for some reason its wanting to tax the gain. It may be because TurboTax is still not quite updated all the way yet. I got the 1099- B entered right. Please describ...
by rivercrosser
Wed Jan 29, 2020 5:15 pm
Forum: Personal Investments
Topic: Capital Gains Tax on a Brokered CD
Replies: 8
Views: 623

Re: Capital Gains Tax on a Brokered CD

I've had quite a few brokered CD's. This was the first time I ever sold any before they matured. I was doing a test run in TurboTax and for some reason its wanting to tax the gain. It may be because TurboTax is still not quite updated all the way yet. I got the 1099- B entered right. If it’s a legi...
by rivercrosser
Wed Jan 29, 2020 3:14 pm
Forum: Personal Investments
Topic: Capital Gains Tax on a Brokered CD
Replies: 8
Views: 623

Re: Capital Gains Tax on a Brokered CD

I've had quite a few brokered CD's. This was the first time I ever sold any before they matured. I was doing a test run in TurboTax and for some reason its wanting to tax the gain. It may be because TurboTax is still not quite updated all the way yet. I got the 1099- B entered right.
by rivercrosser
Wed Jan 29, 2020 2:24 pm
Forum: Personal Investments
Topic: Capital Gains Tax on a Brokered CD
Replies: 8
Views: 623

Capital Gains Tax on a Brokered CD

Last fall I sold a regular brokered Cd I had at Vanguard. I had had it over 2 years so long term. Sold it before it matured at a gain of $1367.00 plus the interest it had earned at sell date. Got a 1099-Int and a 1099-B for the gain. Income for 2019 will be under $78750.00 on a joint return. Am I co...
by rivercrosser
Fri Jan 10, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: does it pay to go to more than one insurance agent for a Medigap/Advantage plan?
Replies: 22
Views: 1685

Re: does it pay to go to more than one insurance agent for a Medigap/Advantage plan?

I just signed up with a Anthem plan G starting in February. Noticed the other day they raised their rates since I applied. I haven't been billed yet but I'm hoping to get the rate they quoted me on my application when i signed up in December. Do they all typically do rate changes the 1st of the year...
by rivercrosser
Fri Jan 10, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 107
Views: 9069

Re: Windows 7 end of support - Jan 14, 2020

I just upgraded a six year old computer with i5-4440 processor and it seems to be working very well with Windows 10. I followed the zdnet article referenced earlier. https://www.zdnet.com/article/heres-how-you-can-still-get-a-free-windows-10-upgrade/ The installation came up activated with digital ...
by rivercrosser
Tue Jan 07, 2020 11:46 pm
Forum: Personal Consumer Issues
Topic: Medicare Rate Change Dates in Missouri
Replies: 3
Views: 373

Re: Medicare Rate Change Dates in Missouri

It's a major effort and learning endeavor. First, understand that medigap policies can be priced (or "rated) in one of 3 different ways > Community rated > Issue age rated > Attained age rated The same supplement plan may be sold by different companies but each company can choose to price it differ...
by rivercrosser
Tue Jan 07, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: Medicare Rate Change Dates in Missouri
Replies: 3
Views: 373

Medicare Rate Change Dates in Missouri

Does anyone know where you can find the dates that medicare companies change rates? I put in an application with Anthem for a plan G back in December. I'm going on medicare February 1. I had a email from them on December 12 that showed what i was going to owe. Noticed the other day they raised their...
by rivercrosser
Mon Jan 06, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: 2015 Jeep Cherokee, transmission issues, warranty ending soon
Replies: 37
Views: 2128

Re: 2015 Jeep Cherokee, transmission issues, warranty ending soon

Wife's 2015 Cherokee will be 5 years old next month. I got an offer for the extended warranty last week. I already pitched it so I couldn't tell you how much they wanted for it. If you do buy a extended warranty only get it one from FCA Mopar. Thought about it when we first brought it but never did....
by rivercrosser
Mon Jan 06, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary surprise
Replies: 47
Views: 5888

Re: Vanguard Beneficiary surprise

I ran into same problem with a joint account @ vanguard. They explained to me that with dealing with different states and different rules they just don't do POD's. I ended up putting the joint account in my name only with wife as primary benificary and our grown children as secondary.
by rivercrosser
Sun Jan 05, 2020 12:54 pm
Forum: Personal Investments
Topic: HSA Questions
Replies: 6
Views: 424

Re: HSA Questions

Keep in mind as you get older you may want to draw down your HSA. If you have beneficiaries other than spouse they will have to pay taxes on any money left in account.
by rivercrosser
Fri Jan 03, 2020 10:13 pm
Forum: Personal Consumer Issues
Topic: TurboTax Best Price
Replies: 13
Views: 2150

Re: TurboTax Best Price

Amazon has deluxe w/state for $39.86 today.
by rivercrosser
Thu Dec 26, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017
Replies: 66
Views: 3634

Re: Quicken 2017

If you need Quicken and TurboTax both, order them together @ Amazon. I ordered the 14 month Quicken and TurboTax deluxe w/state for $47.38 total this morning. You get the extra $20.00 discount @ checkout. They charged me $19.33 for the Quicken and $28.05 for the TurboTax. Not sure why they do it so ...
by rivercrosser
Thu Dec 26, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37856

Re: Turbotax 2019 on Amazon

They dropped the price for 14 months of Quicken also. I just ordered it with TurboTax Deluxe with state for 47.38 total for both. They still had the 20.00 off combo deal going. My Quicken was running out in March anyway.
by rivercrosser
Wed Dec 25, 2019 7:35 pm
Forum: Personal Investments
Topic: Question on Roth 401k rollover to Roth IRA
Replies: 13
Views: 738

Re: Question on Roth 401k rollover to Roth IRA

Best way to do the transfer is with the trustee to trustee method.
by rivercrosser
Sun Dec 22, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to 401(k) and IRAs, SECURE Act - It's signed
Replies: 292
Views: 23427

Re: Changes to 401(k) and IRAs, SECURE Act - It's signed

This is part of an article I just read. If I understand it right my kids would be able to wait till towards the end of the 10 year period to empty out the Roth IRA they inherent. That would be an avantage for a Roth IRA. Not as good as lifetime, but something. "Beginning for deaths after December 31...
by rivercrosser
Sat Dec 21, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Which spouse should own the brokerage account?
Replies: 31
Views: 3448

Re: Which spouse should own the brokerage account?

Something to consider if you want a joint account at Vanguard. They won't let you put benificaries on a joint account. The joint account we had was money we didn't need in hurry. I was afraid if something happened to me the wife wouldn't think about her being the only owner and run into problems for...
by rivercrosser
Sat Dec 21, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to 401(k) and IRAs, SECURE Act - It's signed
Replies: 292
Views: 23427

Re: Changes to 401(k) and IRAs, SECURE Act - It's signed

Most of ours is in Roth IRA's thank god. So under the new rules when wife and I are gone, will my kids have to start drawing down the IRA's right away or can they hold off till towards the end of ten years and pull it all out at once?
by rivercrosser
Fri Dec 20, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017
Replies: 66
Views: 3634

Re: Quicken 2017

The OLU (online update) problem has been remedied, at least temporarily. https://community.quicken.com/discussion/7865178/new-12-18-19-quicken-windows-users-reporting-issues-w-one-step-update#latest That's good to hear. My Quicken had crashed a few times lately when updating accounts. Would update ...
by rivercrosser
Fri Dec 13, 2019 11:07 pm
Forum: Personal Investments
Topic: Spend HSA or save it?
Replies: 60
Views: 5014

Re: Spend HSA or save it?

Related to this, there was an earlier thread where someone asked if there's ever a point where one could have too much in an HSA. My reply: A rough answer is that anything up to at least $50-60K, in todays' dollars, for a single person (or double that for a couple) is not too much in an HSA. Here's...
by rivercrosser
Wed Dec 11, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: How does billpay's ACH work?
Replies: 25
Views: 1481

Re: How does billpay's ACH work?

The payments go out sometimes as an actual check and sometimes as ACH, randomly with no set pattern. That doesn't sound right to me. The payments should go out the same way consistently. Maybe they started out as old-fashioned paper checks. Many very small entities are not within the data base the ...
by rivercrosser
Sun Dec 08, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best source for microsoft office?
Replies: 22
Views: 1985

Re: Best source for microsoft office?

Check if one of your employers participates in the Microsoft Home Use Program. The last 4 times I got a computer I just paid $15 (yes 15, not a typo) to get the latest full MS Pro suite. I think it's the littlest known company benefit that anyone knows about or companies talk about. Talk to your IT...
by rivercrosser
Sun Dec 08, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Finding a Medigap insurance broker
Replies: 12
Views: 754

Re: Finding a Medigap insurance broker

I've been looking into medicare fo a while now. Going on it in February. Main thing is check with more than one broker. Ask your friends who they deal with etc. Smaal town hereso you get an idea of who you can trust. Some are pushing advantage plans, barley mentioning supplement plans. Some are real...