Search found 137 matches

by rivercrosser
Thu Mar 11, 2021 2:13 pm
Forum: Personal Consumer Issues
Topic: Ring video doorbell question
Replies: 13
Views: 1638

Re: Ring video doorbell question

Your going to see the delivery person walk up with your package even if you can't see after they put it down. Plus like someone else said, set your delivery alerts up with Amazon, UPS, USPS etc. If you get the Ring go with the Pro version if you can. No battery's. I have mine wired to the existing d...
by rivercrosser
Tue Mar 09, 2021 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 500
Views: 44120

Re: Quicken 2019 and forward

I added a year to mine a while back with the same deal so I'm paid up to April of 2022. Does anyone know if I purchase another year right now (while they have this deal) will it work and bump me to April of 2023? Edit: Just looked. No I can't. "A membership can only be extended in the last six...
by rivercrosser
Tue Mar 09, 2021 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 500
Views: 44120

Re: Quicken 2019 and forward

I added a year to mine a while back with the same deal so I'm paid up to April of 2022. Does anyone know if I purchase another year right now (while they have this deal) will it work and bump me to April of 2023? Edit: Just looked. No I can't. "A membership can only be extended in the last six...
by rivercrosser
Tue Mar 09, 2021 12:16 pm
Forum: Personal Consumer Issues
Topic: Deadbolts Paired With or Without Locking Knob Set
Replies: 10
Views: 922

Re: Deadbolts Paired With or Without Locking Knob Set

In simple terms , if door has glass , keyed deadbolt only - if not then deadbolt with locking knob - security is the focus not convenience - DW and I learned this after our first apartment after getting married was broken into . Just a note for the poster, before taking this advice (which has good ...
by rivercrosser
Mon Mar 08, 2021 9:15 pm
Forum: Personal Consumer Issues
Topic: Deadbolts Paired With or Without Locking Knob Set
Replies: 10
Views: 922

Re: Deadbolts Paired With or Without Locking Knob Set

I think you are saying, for doors that have dead bolts on them, you will use a simple knob that doesn’t lock. If so, I like it. That’s my preference too. The locking knobs aren’t an issue for me, because I just don’t bother with them. However, I have been locked out more than once by house guests o...
by rivercrosser
Mon Mar 08, 2021 6:56 pm
Forum: Personal Consumer Issues
Topic: Deadbolts Paired With or Without Locking Knob Set
Replies: 10
Views: 922

Deadbolts Paired With or Without Locking Knob Set

Getting a new front entry and house to garage doors installed this spring. Right now I just have the locking knob sets. The new doors will be pre bored for knob set and a deadbolt. Probably going with a keyless/keyed dead bolt on the the front door for sure. Garage door I'll just use a regular dead ...
by rivercrosser
Sun Mar 07, 2021 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 500
Views: 44120

Re: Quicken 2019 and forward

I added a year to mine a while back with the same deal so I'm paid up to April of 2022. Does anyone know if I purchase another year right now (while they have this deal) will it work and bump me to April of 2023? Edit: Just looked. No I can't. "A membership can only be extended in the last six ...
by rivercrosser
Fri Feb 12, 2021 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Workarounds for turbotax no paste passwords bug
Replies: 32
Views: 2502

Re: Workarounds for turbotax no paste passwords bug

I filed mine with TurboTax this afternoon. Yeah, it's a pain in the you know what. But its only once a year. I just opened my LastPast, unhide the password and carefully typed it in the TurboTax window.
by rivercrosser
Mon Feb 08, 2021 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Moving an HSA Account - Mechanics?
Replies: 14
Views: 637

Re: Moving an HSA Account - Mechanics?

I moved mine from Optum to a local bank. Like others said, move it all into the cash side of existing HSA first. I gave my bank all the info they needed and let them request a trustee to trustee transfer. That way you don't have to report it on your tax form.
by rivercrosser
Sat Jan 30, 2021 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Entering 2 1099INT From Same Bank
Replies: 10
Views: 836

Re: Entering 2 1099INT From Same Bank

I always list each 1099 separately when using Turbo Tax, even if we have multiples from the same bank/brokerage. It just makes it easier to match everything up for us. I always use the supporting details box to list it all out for myself. I'm just concerned how the IRS sees it. They will see 2 1099...
by rivercrosser
Sat Jan 30, 2021 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Entering 2 1099INT From Same Bank
Replies: 10
Views: 836

Re: Entering 2 1099INT From Same Bank

I always list each 1099 separately when using Turbo Tax, even if we have multiples from the same bank/brokerage. It just makes it easier to match everything up for us. I always use the supporting details box to list it all out for myself. I'm just concerned how the IRS sees it. They will see 2 1099...
by rivercrosser
Sat Jan 30, 2021 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Entering 2 1099INT From Same Bank
Replies: 10
Views: 836

Entering 2 1099INT From Same Bank

Over the years we have had joint accounts at various banks. Some accounts with me as primary, some with wife as primary. When we get our 1099's sometimes we will get 2 1099 INT's from the same bank. One with my social security number and the other with the wife's. If I have 2 from the same bank (her...
by rivercrosser
Tue Dec 29, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Quicken
Replies: 24
Views: 1344

Re: Quicken discounts available

I’m going to agree with doctorgonzo. I have used many versions of quicken for about 20 years now, and switched to Quicken for Mac about two years ago. It’s incredibly good. Best version by far. The most common complaint is the subscription model. I usually hate the subscription model, but this one’...
by rivercrosser
Mon Dec 28, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Unable to track return credits with Amazon, pls make suggestions?
Replies: 16
Views: 774

Re: Unable to track return credits with Amazon, pls make suggestions?

I ordered the wrong version of turbotax yesterday. Called them and he gave me a credit back and I reordered the correct one. Just looked at my Chase Amazon card account and it shows the credit there.
by rivercrosser
Sun Nov 22, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: Salvage vehicle
Replies: 10
Views: 917

Re: Salvage vehicle

I bought a couple back when the daughter started driving. Got them from a local guy that his family's been in business for many years and has a good reputation. He won't repair one that's had major damage. They go to a dealership to have airbags etc. reset. Everything is done right. I wouldn't trust...
by rivercrosser
Sat Oct 31, 2020 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D 2021
Replies: 13
Views: 1370

Re: Medicare Part D 2021

I've got a Wellcare plan. Premium went down slightly next year. My generics are still $0 dollar but they bumped my Brilinta up to a tier 4 from tier 3 next year. Wouldn't have know it if I hadn't looked online at the new formulary. They mailed me a 2020 one the other day which I thought was stupid w...
by rivercrosser
Mon Oct 26, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Naming Beneficiary for Vanguard account
Replies: 46
Views: 3133

Re: Naming Beneficiary for Vanguard account

Someone at Vanguard told me that with so many different rules depending on what state your in they don't do beneficiaries on joint accounts anymore. What I did with a joint account we had at Vanguard was to put in just my name with wife as 100% primary beneficiary and our 2 grown kids as 50% each s...
by rivercrosser
Mon Oct 26, 2020 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Naming Beneficiary for Vanguard account
Replies: 46
Views: 3133

Re: Naming Beneficiary for Vanguard account

Someone at Vanguard told me that with so many different rules depending on what state your in they don't do beneficiaries on joint accounts anymore. What I did with a joint account we had at Vanguard was to put in just my name with wife as 100% primary beneficiary and our 2 grown kids as 50% each s...
by rivercrosser
Mon Oct 26, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Simple Gutter Guards Recommendations?
Replies: 9
Views: 1032

Re: Simple Gutter Guards Recommendations?

http://www.flexxpointdirect.com/order-flexxpoint.html

Just put these on my sons house. The plastic ones he had didn't hold up.
by rivercrosser
Mon Oct 26, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Naming Beneficiary for Vanguard account
Replies: 46
Views: 3133

Re: Naming Beneficiary for Vanguard account

Has Vanguard ever given a reason for not allowing beneficiaries to be named on a joint account? Other places do, so it's not a legal thing. This has at least two drawbacks that I can think of. First, if one joint owner passes, the remaining one has to be aware to name beneficiaries, if that is thei...
by rivercrosser
Wed Oct 14, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Wellcare Pt D jump from 16.70 to $54
Replies: 48
Views: 4186

Re: Wellcare Pt D jump from 16.70 to $54

My Wellcare premium went down slightly for 2021 but they changed my Brilinta from a tier 3 to a tier 4. I may be able to get an exemption because I've been on it since May. If not I might switch to a Clearspring plan. You have to do your homework or have a good broker that does it for you.
by rivercrosser
Mon Sep 28, 2020 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Starting Medicare & never ending phone calls from uhc
Replies: 21
Views: 1875

Re: Starting Medicare & never ending phone calls from uhc

I get a lot of scam calls pretending to want to help with medicare. They usually spoof a local number to try to get you to answer.
by rivercrosser
Sun Sep 27, 2020 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Starting Medicare & never ending phone calls from uhc
Replies: 21
Views: 1875

Re: Starting Medicare & never ending phone calls from uhc

What about skipping Medicare Advantage private plans and buy a vanilla Part G from the cheapest provider? My assumption is that it may cost more than a Medicare Advantage plan BUT their is no guesswork about “How often will I be Sick will I be this year and where will I be sick?”. My take is the pe...
by rivercrosser
Tue Sep 08, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: Sole brand exercise bike
Replies: 5
Views: 439

Re: Sole brand exercise bike

Also have a Sole elipitical. They make near gym quality stuff.
by rivercrosser
Wed Aug 26, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: password manager for a couple
Replies: 16
Views: 1239

Re: password manager for a couple

Lastpass here. Have serveral sites like SS, medicare, etc where we each have a log on. Works good. Both will pop up on sreen and you just click on the one you want. You can label them anyway you want. I just bought a new computer couple weeks ago and transition was super easy.
by rivercrosser
Thu Aug 20, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Calling all NEC Electrical and DIY Experts. Follow Up: Thanks Everyone.
Replies: 17
Views: 1558

Re: Calling all NEC Electrical and DIY Experts. Help?

The only thing I would add. If its in an area where it could get hit by vehicles or equipment etc, I'd put a post or something in front of it just for peace of mind.
by rivercrosser
Tue Aug 11, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: Should I caulk this area on a shower door?
Replies: 30
Views: 2729

Re: Should I caulk this area on a shower door?

Make sure you use the mildew resistant 100% silicone bath caulk.
by rivercrosser
Wed Jul 29, 2020 8:07 pm
Forum: Personal Consumer Issues
Topic: Use of Mobile Hotspot for Video Streaming
Replies: 5
Views: 495

Re: Use of Mobile Hotspot for Video Streaming

Out in the country here but get a good cell signal. I have the Nighthawk hotspot with ATT. Works good for me. Watch Netflix, HBO, Amazon video, Ring doorbell, echo, etc with no problems. I was lucky and was able to add it to my unlimited phone plan for $20.00 plus some taxes and fees. Still less tha...
by rivercrosser
Mon Jul 27, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 500
Views: 44120

Re: Quicken 2019 and forward

Has Quicken transitioned to the cloud yet or is it a downloadable program? I think that the subscription model is sometimes misunderstood. Quicken is still a desktop program that you have to download and install, and your data is still stored on your computer. There is an optional cloud sync featur...
by rivercrosser
Tue Jun 09, 2020 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: High deductible Plan G medigap
Replies: 74
Views: 4196

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: 4196

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: 3352

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: 5370

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: 5370

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: 5370

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: 5370

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: 10680

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: 10680

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: 3605

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: 3605

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: 361
Views: 30347

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: 361
Views: 30347

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: 298

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: 678

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: 969

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: 465

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: 53
Views: 23511

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: 245

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: 1241

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: 8972

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...