Search found 644 matches

by Cloud
Mon Sep 09, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4868

Re: Equifax breach settlement update?

I wonder if they will accept the free creditkarma monitoring I've had for years and still have. Don't know. I would try it and see what happens. I do not know, BUT I really doubt they will go to the trouble and expense of verifying all such certifications. It is clear, though, that they want to &qu...
by Cloud
Mon Sep 09, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4868

Re: Equifax breach settlement update?

I wonder if they will accept the free creditkarma monitoring I've had for years and still have.
by Cloud
Thu Sep 05, 2019 5:04 am
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 254
Views: 34959

Re: Forbes: The Bubble That Is The S&P 500 Index

More click bait.
Bloomberg: The Big Short’s Michael Burry Explains Why Index Funds Are Like Subprime CDOs.
https://www.bloomberg.com/news/articles ... prime-cdos
by Cloud
Sun Mar 24, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Do you trust/use your bank’s mobile app
Replies: 34
Views: 2023

Re: Do you trust/use your bank’s mobile app

Yes and yes. It's probably safer than a PC.
by Cloud
Sun Feb 24, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 8612

Re: Who does their own taxes?

I use and suggest FreeTaxUSA.....

https://www.freetaxusa.com

This was my 3rd year using it and I really like it.
by Cloud
Sat Jan 12, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 6545

Re: How did you solve the pre-medicare healthcare riddle?

We Retired at 47. Paid full price for ACA (married). 2018 and 19 decided to lower income to under 400% of FPL. 2018 subsidy was 497 a month. 2019 our subsidy increased to 700 a month due to Trump killing the CSRs. The insurance companies raised only silver rates to make up the loss of CSR payments f...
by Cloud
Thu Oct 11, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 15681

Re: What is your annual cost for health insurance?

Also probably, age is important. Obamacare policies cost more as you get older. Age 60 Myself and 2 kids Kaiser policy with no out of network option. 19000 premium per year, no subsidy deductilbe 4700 I work in health care This is crummy, obamacare policy Try not to get sick Not in VT. Every age pa...
by Cloud
Sat Aug 18, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 14037

Re: Vanguard Switch to Brokerage Accounts

Why are people so afraid of the brokerage account? I find it to be very easy to use. In fact (and this might be heresy around here), I find it easier to use than Schwab. All my investments are in Vanguard mutual funds. I have no ETFs and no individual stocks or bonds. The brokerage accout doesn't s...
by Cloud
Sat Aug 04, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: The stock market is shrinking.
Replies: 68
Views: 8483

The stock market is shrinking.

Is this a problem that the stock market is shrinking. Fewer and fewer publicly traded companies. What does this mean for investors?

The New York Times: The Stock Market Is Shrinking. That's a Problem for Everyone..
https://www.nytimes.com/2018/08/04/busi ... arket.html
by Cloud
Mon Jan 29, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Rule 72T: Just how does this work? Anyone do this?
Replies: 18
Views: 3398

Re: Rule 72T: Just how does this work? Anyone do this?

Isn't this unnecessary when you can instead take advantage of the age 55 rule and withdraw $$ from your 401K penalty free. Assuming you're leaving your employer in or after the year you turn 55?
by Cloud
Tue Jan 02, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 37
Views: 6400

Re: My 2017 Budget

Keepcalm wrote: Tue Jan 02, 2018 12:10 am I'm going to assume mortgage payments are not being included in these annual expenses?

Well I should say it is obvious they are not, and is it correct to exclude them out of annual expense reports?
I believe most are including mortgage, in our case we do not have a mortgage.
by Cloud
Tue Jan 02, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 37
Views: 6400

Re: My 2017 Budget

Appreciate you sharing. Looks to be more in line with what I was shooting for ($60Kish) if home was paid off. Curious on a couple numbers, what does "household" entail? And what is your budget for the 3 months traveling, just $4840? I can't imagine you could even ABNB/VRBO for 3 months on...
by Cloud
Mon Jan 01, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 37
Views: 6400

Re: My 2017 Budget

Thanks for sharing. I assume you're single? You've inspired us to share our 2017 spending (55K). Couple, retired early, live in a high cost area, own our home, and spend 3 months a year away traveling in the south. Quicken summary numbers: Health Ins $10,572.00 Property Tax $6,300.00 Groceries $5,58...
by Cloud
Thu Dec 14, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 220
Views: 25255

Re: Prevent mail theft; sign for USPS Informed Delivery

Silly me. Apart from the fact that I don't want the service, I assumed that signing up for it would be a security risk since it would mean that more personal information about me was being sent over the Internet. I was under the impression that even seeing the outside of your mail is considered val...
by Cloud
Thu Dec 14, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 220
Views: 25255

Re: Postal Service -- "informed delivery"

This service is pretty handy but it does make me wonder about who else might be getting scanned images of the outside of my mail. Government agencies? advertisers? I guess they're getting it already though so I might as well too... My guess is the just gave us access to something their mail sorting...
by Cloud
Thu Dec 14, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Roofing Question Ice Build Up
Replies: 22
Views: 2160

Re: Roofing Question Ice Build Up

How is your attic vented? It is possible they did not install a new ridge vent correctly. ^ This.. If they didn't cut the shingles back correctly at the ridge vent, assuming you have a ridge vent? Gable or Ridge venting? Or maybe your venting wasn't all that good to begin with and the new shingles ...
by Cloud
Thu Dec 14, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 10158

Re: Snow Tires? Worth it?

I have driven in snowy midwest states all my life. All season tires, never 4WD or AWD. I have never had a winter-related incident but have had lots of white-knuckle commutes or drives in nasty conditions. I consider myself a really good winter driver. BUT I just got snow tires for my new car and th...
by Cloud
Mon Dec 11, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 10158

Re: Snow Tires? Worth it?

Yes, they are totally worth it. I recommend Bridgestone Blizzaks. Best snow tire hands down. Makes driving in snow and ice a breeze. You'll feel like driving on a summer day while all the folks around you are white knuckling it. 4 wheel drive doesn't mean diddly when it comes to safety and staying o...
by Cloud
Mon Dec 11, 2017 1:30 am
Forum: Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 13897

Re: Retire in my early 40s? Crazy or actually doable?

Retiring is a mistake, until you have nothing more to contribute. That is not a moral statement, but an individualistic one. Over the course of my career I have met many mentally and physically men aged well before their time do to early retirement. People think how nice it would be not to answer t...
by Cloud
Mon Dec 11, 2017 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 55
Views: 5128

Re: Can/Should early retiree avoid ACA tax credits?

Absolutely take advantage of the subsidy. We've (the wife and I) paid full ACA un-subsidized rates for the past few years. Not next year. We've decided to do a smaller ROTH conversion next year allowing us to qualify for ACA subsidies. The folks buying un-subsidized full price ACA plans are paying t...
by Cloud
Mon Nov 13, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance
Replies: 8
Views: 1623

Re: Umbrella insurance

Can anyone recommend an Umbrella insurance policy that does not require that I move my car insurance policy and my rental insurance policy to be a part of the Umbrella Insurance company? RLI... You can purchase a straight up umbrella policy without moving your home or auto over. https://www.rlicorp...
by Cloud
Fri Nov 03, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 21751

Re: 2018 ACA rates now live....

Of course the 2018 ACA rates are live...and... despite doing all kinds of pre-work over the course of the last two weeks because this is my first time with the ACA...CoveredCA can't freaking validate my Identity . Not my income , which is where most people get hung up. My identity . Despite having ...
by Cloud
Sun Oct 15, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 3415

Re: Calculating max electrical load of your home

I'm thinking of upgrading my home electrical service, but before I do I want to be able to calculate the max load my current service can handle. In particular I'm trying to figure out as a practical matter what my home can and cannot handle. There's a general rule that says you don't want to run mo...
by Cloud
Sun Oct 15, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidies / HSA accounts / advance premium subsidies / Questions
Replies: 19
Views: 2925

Re: ACA Subsidies / HSA accounts / advance premium subsidies / Questions

Retired young married couple looking to purchase two (On Exchange) separate individual plans in 2018 to avoid the Aggregate deductible family penalty. Spouse would purchase (Normal Silver plan) and I the (HDHP Bronze plan). I have done a lot of reading on the subject, and I have never seen a refere...
by Cloud
Sun Oct 15, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidies / HSA accounts / advance premium subsidies / Questions
Replies: 19
Views: 2925

Re: ACA Subsidies / HSA accounts / advance premium subsidies / Questions

I’m very confused as to how to go about and fill out the subsidies forms when it’s complicated by two individual policies. All the questions talk about family income, spouse, and number of persons in household so I’m not sure how they take into account the two separate policies for subsidies calcul...
by Cloud
Sun Oct 15, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidies / HSA accounts / advance premium subsidies / Questions
Replies: 19
Views: 2925

ACA Subsidies / HSA accounts / advance premium subsidies / Questions

ACA Subsidies / HSA accounts / advance premium subsidies / Questions We’ve decided to lower our income for 2018 to qualify for ACA Subsidies. We’ve never received subsidies before so have questions. I’ve exhausted my googling for the day. Retired young married couple looking to purchase two (On Exch...
by Cloud
Sat Sep 23, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 8049

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

Waiting on the email since 9/14.... Actually glad I haven't gotten it. At this point I've lost all trust in Equifax and won't be completing the signup process. I don't need another avenue for them to lose my data.
by Cloud
Fri Sep 15, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 8049

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

Tried to sign up yesterday.. Still waiting on the email.
by Cloud
Sat Jun 10, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Cash Management Account--any real life experience you can share?
Replies: 31
Views: 12458

Re: Fidelity Cash Management Account--any real life experience you can share?

Quicken downloads are a huge pain if you use this as your main bank account like I have for many years. I'm keeping the CMA but switching to a credit union for most of my needs. Only keeping a small cash balance in the CMA for ATM/cash access. Quicken is a pain with CMA how? Works and downloads fin...
by Cloud
Fri Mar 17, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Tax form 2210 requirement? FreeTaxUSA
Replies: 3
Views: 638

Re: Tax form 2210 requirement? FreeTaxUSA

I have sent the vendor 3 questions online about this issue. They answered the first two promptly telling me there was a box I missed checking. They last sent this: "On the very last screen of the Underpayment Penalty menu, on the Underpayment Summary screen, you currently have answered No to th...
by Cloud
Thu Mar 16, 2017 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax form 2210 requirement? FreeTaxUSA
Replies: 3
Views: 638

Tax form 2210 requirement? FreeTaxUSA

OK, we made a large IRA to ROTH IRA rollover in the 4th QTR of 2016. I paid only one estimated tax payment in the 4th QTR to cover this rollover. It's my understanding I am required to file a form 2210 to show the IRS the bulk of my income happened in the 4th Quarter to avoid a penalty. I used FreeT...
by Cloud
Fri Dec 02, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax (IRA to ROTH conversion) question
Replies: 11
Views: 1955

Re: Estimated Tax (IRA to ROTH conversion) question

Lacking a safe harbor, you cannot eliminate potential underpayment penalties by paying a large estimate for the 4th Q, you can only reduce the penalty. The only way the IRS would know WHEN you converted is to file the 2210 AI, which we all know is time consuming. Without it, you could incur underpa...
by Cloud
Fri Dec 02, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax (IRA to ROTH conversion) question
Replies: 11
Views: 1955

Re: Estimated Tax (IRA to ROTH conversion) question

Are you sure you need to make any payment? You may have had enough withheld to meet the safe harbor rules. Also, any payment is due January 15, not year end.c1040-EScshould accompany any payment. Gill 100% sure we must make the estimated payment... Don't meet the estimated tax safe harbor exception...
by Cloud
Fri Dec 02, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Annual "Free" Physical
Replies: 6
Views: 1817

Re: ACA Annual "Free" Physical

It's the doctor's office or lab that assigns the codes, not the insurance company. Yea, I know... Spent hours on the phone in a 3 way call trying to get the two parties (the lab billing, and the insurance company) to agree on some dam codes. It was a nightmare.... Sorry I was unclear. But it's not ...
by Cloud
Fri Dec 02, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax (IRA to ROTH conversion) question
Replies: 11
Views: 1955

Estimated Tax (IRA to ROTH conversion) question

Estimated Tax (IRA to ROTH conversion) question. Facts: We have W2 income for the entire year (2016) but in addition we decided to convert a large sum of money from wife's TIRA to ROTH IRA last week. We didn't have any taxes withheld. We've never sent in an estimated payment before but plan to do so...
by Cloud
Fri Dec 02, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Annual "Free" Physical
Replies: 6
Views: 1817

Re: ACA Annual "Free" Physical

For my "free physical" BCBS is not paying for routine lab work. Not a huge amount, but I'm wondering if this is supposed to be "free" under the ACA (we have an exchange individual policy). Thanks! Edit: Sorry group .... I should have Googled first ... just did and found my answe...
by Cloud
Fri Dec 02, 2016 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Freetaxusa dot com
Replies: 13
Views: 1783

Re: Freetaxusa dot com

No catch, state forms are $12.95.. This is my second year using it and so far I like it better then TaxAct. Also, both Turbo Tax and TaxAct screwed up their VT state returns last year, FreeTaxUsa got it right!
by Cloud
Sun Jun 19, 2016 7:08 pm
Forum: Personal Investments
Topic: 401k Rollover to Employee Fiduciary
Replies: 16
Views: 2317

Re: 401k Rollover to Employee Fiduciary

livesoft, To answer your questions. My wife, with my input, picked the funds. The 5500 is unnecessary since she's the one who runs their 401K. You're correct in assuming most of the funds have little assets or no use. They only have a few employees so there's very little data to mine. The line up of...
by Cloud
Sun Jun 19, 2016 6:49 pm
Forum: Personal Investments
Topic: Fidelity Visa
Replies: 2
Views: 1282

Re: Fidelity Visa

We received our new Fidelity Visa cards to replace the Fidelity AMEX this week. Anyone been able to link it to quicken yet? Yes, had the card for a month now. You need to create an Elan Financial log in separate from Fidelity. I believe you need to go to www.FidelityRewards.com/login .. The site ju...
by Cloud
Fri Jun 17, 2016 9:43 am
Forum: Personal Investments
Topic: 401k Rollover to Employee Fiduciary
Replies: 16
Views: 2317

Re: 401k Rollover to Employee Fiduciary

About 9 years ago when we moved to Employee Fiduciary here's what funds were selected. U.S. Market Vanguard Total Stock Mkt Idx VTSMX Vanguard 500 Index VFINX Vanguard Value Index VIVAX Vanguard Extended Market Index VEXMX Vanguard Small Cap Index NAESX Vanguard Small Cap Value Index VISVX Real Esta...
by Cloud
Fri Jun 17, 2016 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 16447

Re: Dr. Charges Facilities fee of $300 - what should I do?

It's my understanding that balancing billing is not allowed when seeing an in network Dr. You owe your copay and nothing more. This is between the hospital and the insurance company. I would never pay this bill. Let them send it to collections. Doctors or hospitals don't usually report medical debt ...
by Cloud
Sun Jun 05, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5112
Views: 963581

Re: What's Your Credit Card Rewards Strategy?

We use the following cards: 1) Fidelity Rewards Visa (New Elan Card) 2% Cash back on everything No Fee 2) Barclay Sallie Mae Card 5% Back on Books (AKA Amazon) up to $750/month 5% Back on Gas up to $250/month 5% Back on Groceries up to $250/month No Fee Card no longer taking new members 3) AMEX Blue...
by Cloud
Sun Jun 05, 2016 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Quicken 2016?
Replies: 58
Views: 16536

Re: Alternatives to Quicken 2016?

Every time I've looked there's been no viable alternatives for me.

Picked up a copy of Quicken Premier 2016 on Amazon in March for $44.95. No issues here.
by Cloud
Sat Jun 04, 2016 2:45 pm
Forum: Personal Investments
Topic: 401k vs Roth 401k?
Replies: 63
Views: 5285

Re: 401k vs Roth 401k?

by Cloud
Wed Jun 01, 2016 4:38 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2015!
Replies: 256
Views: 73382

Re: Roll Call for the Retirement Class of 2015!

I know I'm very late in signing up for the class of 2015 but I've been absent from posting for a few years. Just found my old password and decided to become a little more active again.

Retired on 10/23/2015 @ age 47.... Wish me luck!
by Cloud
Tue May 31, 2016 10:44 pm
Forum: Personal Investments
Topic: New Investor excited to get started
Replies: 6
Views: 1157

Re: New Investor excited to get started

I'll try to answer some of your questions. - We are above the Roth IRA income cap, so I was looking into Backdoor Roth IRA's. Is this a good route to take so my wife and I can utilize a Roth IRA? A backdoor ROTH sounds like a good plan for you but remember you can't have any other IRA money left lay...
by Cloud
Fri Apr 26, 2013 2:22 pm
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 325
Views: 55018

Re: Frontline--The Retirement Gamble

P.S. I have a quibble with the sound bite that says "You put up 100% of the capital, take 100% of the risk, and get 30% of the profit". The missing 70% was never there - it was taken in costs and likely consumed as income. But even granting that the fund managers took every dollar of fees...
by Cloud
Fri Apr 26, 2013 2:16 pm
Forum: Investing - Theory, News & General
Topic: Do you trust Mint.com or similar services?
Replies: 29
Views: 6279

Re: Do you trust Mint.com or similar services?

No, I don't trust them... Rather, I don't ever want to have to go that that rabbit hole if something should ever happen.
by Cloud
Fri Apr 26, 2013 12:03 pm
Forum: Investing - Theory, News & General
Topic: Your Move, Bogleheads: Advisor Finds DFA’s Returns Trump Van
Replies: 73
Views: 7690

Re: Your Move, Bogleheads: Advisor Finds DFA’s Returns Trump

Just want to point out not everyone pays additional adviser costs to obtain DFA funds. I have access to DFA funds in my 401K. No additional fees. Just the advertised DFA expense ratio, nothing more. That's interesting. Who does the client education to prevent the fickle flow of performance-chasing ...