Search found 550 matches

by susa
Sun Dec 15, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Xfinity cost comparison?
Replies: 27
Views: 1306

Re: Xfinity cost comparison?

I pay $50/month for the bare bones 25mb/s. I was paying $35 but my promo expired. I may try to haggle them back to $35. We have 100 mbps internet and bare bones basic TV service and no equipment from comcast (if we watch evening news live, we use stream). Our total bill is 60 and another 5 for tari...
by susa
Thu Nov 28, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: Just Starting Down The Rabbit Hole
Replies: 53
Views: 3966

Re: Medicare: Just Starting Down The Rabbit Hole

The only thing I found that was difficult was the transition from "Me + Wife both on ACA plan" to "Me on Medicare, Wife on ACA plan". The Healthcare.gov rep on the phone messed up the transition. It popped my wife into the Medicaid queue. If you don't mind, can you share if you now know Why this ha...
by susa
Mon Nov 25, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 397
Views: 25100

Re: Retirement Friendly States

Outside the States, several places. All you need is dual passport and you even get almost free healthcare with world class doctors/nurses.
by susa
Sun Nov 03, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security not sending verification code
Replies: 20
Views: 1211

Re: My Social Security not sending verification code

We have officially Google as our cell phone provider (paid $40 to export ATT phone to Google).

None of the texts arrived and the verification to claim new code in mail requires phone which now fails verification so no letter is sent, no new code
by susa
Sat Nov 02, 2019 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs Roth Brokerage
Replies: 11
Views: 699

Re: Roth vs Roth Brokerage

Update: After a couple accounts were updated/upgraded from non-brokerage Roth to Brokerage Roth, several family members lost their Full Agent view/execute access despite granting same to ALL at the time of the update and the grantee having signed online eConsent. Had to send multiple messages and sp...
by susa
Wed Oct 30, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Roth vs Roth Brokerage
Replies: 11
Views: 699

Re: Roth vs Roth Brokerage

Krhmm... last night VG automatically proceeded to propose upgrade/update for all non-brokerage Roths and also automatically preserved the Full Agent Authority access for each family member for these new brokerage Roths.

Funny timing ! :sharebeer
by susa
Wed Oct 30, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: [Trouble logging in to PNC Bank - wonder if they’re being attacked]
Replies: 10
Views: 1171

Re: Looks Like PNC Bank Under Cyber Attack (yet again)

Downdetector shows PNC had massive problems from 12noon for couple hours

Similary, last night Bank of America had massive logon outages, mobile included, graph shows it also
https://downdetector.com/status/bank-of-america/
by susa
Wed Oct 30, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Marcus bonus: Timing of withdrawing funds
Replies: 30
Views: 2762

Re: Marcus bonus: Timing of withdrawing funds

I know for a fact, the account must contain at least one dollar, 1.00 How do I know that... it just happened that I had a large cash balance there at one time and balance was moved via intermediate steps to Northern Bank which still pays 2.50 interest. Some remnants of interest remained at below 1.0...
by susa
Mon Oct 28, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs Roth Brokerage
Replies: 11
Views: 699

Re: Roth vs Roth Brokerage

OK, I see experiences of not having many accounts -- I get that but that is *not* what I asked about. Each family member has one Roth but we manage jointly several due to size of cross authorized Agent access. Two of these have the non-brokerage type and for the purposes of Sell, Buy, Exchange, Tran...
by susa
Mon Oct 28, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs Roth Brokerage
Replies: 11
Views: 699

Re: Roth vs Roth Brokerage

All accounts are Vanguard and all have large balances. All accounts are jointly managed via Full Agent Authorization Access but All Accounts are Individual Roth IRAs (one exception is a single traditional IRA) Still not clear if this matters or not You will always have to log into the actual owners ...
by susa
Mon Oct 28, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs Roth Brokerage
Replies: 11
Views: 699

Roth vs Roth Brokerage

We (..full authorized agent access for everyone in family..) maintain more than half dozen IRA accounts.

All are "Roth Brokerage" type - except two that do not contain that moniker

Does it matter ? Should they be changed, ie. open two Roth Brokerage and move funds ?
by susa
Sun Oct 27, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: ACA 2020 pricing [What's your 2020 pricing?]
Replies: 38
Views: 4196

Re: ACA 2020 pricing [What's your 2020 pricing?]

We (MFJ, 60+) will pay about $18/mo each or $36 total monthly for a Silver plan on Blue Cross Blue Shield. The only change is maximum out of pocket went up from around $2,500 to $3,500

BCBS has two Silver plans for our area, the other would have cost $42-43/mo each or about $85 total monthly
by susa
Tue Oct 22, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard checking -- Use it or lose it
Replies: 76
Views: 6085

Re: Vanguard checking -- Use it or lose it

Not knowing anything about how this works at Vanguard - would it have been possible to keep the Checking in Active status if a small monthly automatic ACH would have been setup from an external bank, ie. Bank of America <--< Vanguard ?
by susa
Mon Oct 14, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Reducing hospital costs
Replies: 9
Views: 919

Reducing hospital costs

We do this all the time, ie. travel for medical reasons James Schlieper drove five hours from Central Texas to a surgery center across state lines for his hernia surgery — a procedure his catastrophic insurance doesn't pay for. Hospitals back home quoted him cash prices of over $30,000. Then he went...
by susa
Fri Oct 11, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 93
Views: 7859

Re: Vanguard keeps pushing their financial advisors...why?

The way we handle VG and other financial firms/banks, is to update our contact information to a black hole email sink. I like Zimbabwe and South Africa email addresses and there is also temp-email.org/Change which literally creates fly-by-night email addresses. Not ever worried about missing somethi...
by susa
Fri Oct 11, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: switching primary and secondary on ACA when one person going on Medicare
Replies: 4
Views: 429

Re: switching primary and secondary on ACA when one person going on Medicare

Sounds good, as to confirming that some pre-planning to swap primary/seconday is good policy the year before one spouse applies for Medicare. Any comments as to the question(s) on income for the questions on the annual enrollment & MAGI ? How does the new primary on ACA report income with no income ...
by susa
Fri Oct 11, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: IRS CP2000 notice -- hard lesson (missing cost basis)
Replies: 35
Views: 3332

Re: IRS CP2000 notice -- hard lesson (missing cost basis)

Not knowing anything and with some trepidation for even daring to ask.... would this situation even be possible with a Vanguard-inherited fund/funds ? Suppose couple dies and child now owns all Vanguard (sole beneficiary) funds. Does the example in the OP post present something to pass on to the ben...
by susa
Wed Oct 09, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Rollover IRA opened - when are funds available?
Replies: 4
Views: 513

Re: Rollover IRA opened - when are funds available?

100% of Funds Available to trade (Buy/Sell/Exchange) inside IRA. Just unable to withdraw these funds yet from the IRA to another account. EDIT: Tried that first, when selecting the Rollover IRA and the next page shows balance as Zero (0.00) ... on a 2nd attempt, ignored the display which shows 0.00...
by susa
Tue Oct 08, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Rollover IRA opened - when are funds available?
Replies: 4
Views: 513

Re: Rollover IRA opened - when are funds available?

Vanguard rollover was funded from an overnight check from top-3 US Bank and funds are posted into Federal Money Market Fund It shows Funds Available to trade: (the full balance of the check) then it shows Unavailable (the full balance of the check). So, apparently, not available to Buy/Sell/Exchange...
by susa
Tue Oct 08, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1440

Re: Hybrid w/CVT or Non-Hybrid 8 speed

Before deciding on make/model, please visit the online car-specific forums. Toyota and Honda, both, have major problems with various parts in their late models. All are documented, to a degree, on NHTSA but some VERY harrowing 1st hand examples are in the make/model forums from owners. Dealers with ...
by susa
Tue Oct 08, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1440

Re: Hybrid w/CVT or Non-Hybrid 8 speed

All CVT's are simple to service as DIY. There are 2 bolts, open 1st the overflow (usually on the side of the transmission), then the bottom drain 2nd. Once drained, tighten bottom and fill to spec volume and verify small quantity comes out of overflow/check bolt opening. Re-install overflow bolt. Al...
by susa
Mon Oct 07, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?
Replies: 16
Views: 1525

Re: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?

Sure. Offer to settle for cash or use a surgeon at Oklahoma Surgery Center https://surgerycenterok.com/ where all prices are posted on menu. You can also take a flight to a top notch surgical facility overseas at a fraction of the cost in USA. We do medical travel regularly and pay just pennies annu...
by susa
Sat Oct 05, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Rollover IRA opened - when are funds available?
Replies: 4
Views: 513

Rollover IRA opened - when are funds available?

Fedex guaranteed check is received at Vanguard overnight address Monday.

VG is not handling any part of the rollover, all paperwork, all checks cut by 401k bank and forwarded to VG via Fedex.

What is the expected posting to VG Rollover IRA ? ie. 2,3,5, more days?
by susa
Tue Oct 01, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: switching primary and secondary on ACA when one person going on Medicare
Replies: 4
Views: 429

switching primary and secondary on ACA when one person going on Medicare

Switching primary and secondary on ACA when one person going on Medicare One of us (MFJ, 60+, not on Social Security and no plans to file next several years, no income) will need to sign up for Medicare in little over one year. This means the primary "signed up" member on healthcare.gov would no lon...
by susa
Mon Sep 30, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance advice needed
Replies: 26
Views: 1691

Re: Car Insurance advice needed

Geico was almost 3x the cost for the same insurance we got from Progressive.

For 3 late model cars, we pay 1027.00 every 6 months (about 342 per car)
by susa
Sun Sep 29, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to lookup healthcare.gov reported MAGI ?
Replies: 13
Views: 1346

Re: How to lookup healthcare.gov reported MAGI ?

I am not sure I follow exactly what you are doing. But I will say that if you are eligible for Medicaid then you are not supposed to be eligible for ACA subsidies. So you want to be a dollar above Medicaid eligibility. 100% FPL for family size 2 is $16,460 We convert 16,460 from IRA to Roth We have...
by susa
Sun Sep 29, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: How to lookup healthcare.gov reported MAGI ?
Replies: 13
Views: 1346

Re: How to lookup healthcare.gov reported MAGI ?

You say you keep all income below 100% FPL. my understanding is that would make you ineligible for a premium tax credit because you would qualify for Medicaid in that case? Did you mean ABOVE 100% FPL? If really is below, then what is the purpose of the Roth Conversion to create taxable income? No ...
by susa
Sun Sep 29, 2019 7:15 am
Forum: Personal Finance (Not Investing)
Topic: How to lookup healthcare.gov reported MAGI ?
Replies: 13
Views: 1346

Re: How to lookup healthcare.gov reported MAGI ?

They simply are not able to comprehend the income situation of an retiree without pension or social security income. We had that situation some years ago. The solution was to create a coverletter and 1099-R for the tax year both explaining and showing via the IRS form how IRA to Roth IRA created an...
by susa
Sat Sep 28, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to lookup healthcare.gov reported MAGI ?
Replies: 13
Views: 1346

Re: How to lookup healthcare.gov reported MAGI ?

In our (MFJ) case, without any income, almost the entire Blue Cross Blue Shield Silver Plan is subsidized, about 2000/month. We pay just 15/per month/person. As we have no income, we artificially create an Income Tax Event with an IRA conversion and have for several years matched the estimated MAGI ...
by susa
Sat Sep 28, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to lookup healthcare.gov reported MAGI ?
Replies: 13
Views: 1346

Re: How to lookup healthcare.gov reported MAGI ?

Yes, that notice had the precise amount or in my case, a target that I will match. Thank you.
by susa
Sat Sep 28, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: How to lookup healthcare.gov reported MAGI ?
Replies: 13
Views: 1346

How to lookup healthcare.gov reported MAGI ?

Have tried to lookup what was previously reported in the online interactive query from November 2018 for estimated MAGI for 2019 on healthcare.gov Question is not about eligibility or about subsidy amount or reporting/modifying any kind of change. Just wanted to confirm to the precise dollar of esti...
by susa
Tue Sep 24, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Savings Accounts that allow Trust beneficiaries
Replies: 16
Views: 847

Re: Savings Accounts that allow Trust beneficiaries

For any important online accounts, we simply added person(s) name as either "in trust of Named Person" or we added them as co-owner of said account. Has worked on Northern Bank, Marcus, Popular, CIT and a few more
by susa
Tue Sep 24, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Phone Bill via Amex Platinum or Debit Card?
Replies: 33
Views: 1903

Re: Pay off Phone Bill via Amex Platinum or Debit Card?

Amex Business Simplycash and get a rebate each month, in addition to $50 off $250 for the most recent month. Autopay discount is 20/month
by susa
Mon Sep 09, 2019 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Simple withdrawal from IRA to cash/checking/bill pay
Replies: 5
Views: 500

Re: Simple withdrawal from IRA to cash/checking/bill pay

That was easy. Thank you. As assuming Vanguard will just aggregate the montly automatic transfers as a single annual total ? Rather than 12 forms, one for each month. Fortunately for us, we don't have to pay any taxes from our IRA withdrawals due to having no income and always sailing in at below MF...
by susa
Mon Sep 09, 2019 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Simple withdrawal from IRA to cash/checking/bill pay
Replies: 5
Views: 500

Simple withdrawal from IRA to cash/checking/bill pay

We plan on spending down all our IRA funds before taking SS and before age 70. Is there any simple way to transfer monthly a pre-set amount to an account that can be used for Bill Pay, Credit Card Pay or Checking ? Is there any way to setup such a mechanism in a Setup_n_Forget_It automatic mode? ie....
by susa
Sat Aug 31, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Florida Home Insurance Offsets Tax Advantage?
Replies: 28
Views: 2273

Re: Florida Home Insurance Offsets Tax Advantage?

Consider also the alternative. For decades now, many have no home insurance and own their houses/condos free and clear but put aside a few K every year for rainy day fund. This method has worked very well since days of Hurricane Andrew and many more since. Complete new barrel tile roof can be done f...
by susa
Mon Aug 26, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: American Express continues to ask for my income
Replies: 68
Views: 5809

Re: American Express continues to ask for my income

Install uBlock Origin and Privacy Badger on Firefox, Opera or Chrome and you will never see banners again or can redesign layout by blocking anything you want
by susa
Wed Aug 21, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1329

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

jebmke wrote: ..system gagged since we have all of our credit checks frozen. ..
Similar to applying for a new credit card, would it have been possible for you first to unFreeze all 3 for 24 hours and then immediately open MyMedicare ?
by susa
Sat Aug 17, 2019 6:53 am
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates in U.S.
Replies: 249
Views: 23144

Re: Negative Interest Rates in U.S.

A recent video that explains it well, starts at about 13 minute mark, at 17 minutes the banking side

youtube.com/watch?time_continue=779&v=UxYlirjUwro
by susa
Mon Aug 12, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 49
Views: 4872

Re: high-yield savings: stay or switch?

We use Northern Bank at 2.50%

Full list is here and we move funds around to whereever there is best % plus bonus (ie. Marcus-GS Bank)

https://www.doctorofcredit.com/high-int ... gs-to-get/
by susa
Sun Aug 11, 2019 6:43 am
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates in U.S.
Replies: 249
Views: 23144

Re: Negative nominal rates inevitable?

https://www.jyskebank.dk/bolig/nyheder/realkredit-med-negativ-rente Jyske Bank said this week that customers would now be able to take out a 10-year fixed-rate mortgage with an interest rate of -0.5%, meaning customers will pay back less than the amount they borrowed http://cphpost.dk/news/business/...
by susa
Sat Aug 10, 2019 7:50 am
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates in U.S.
Replies: 249
Views: 23144

Negative nominal rates inevitable?

Read the following (paraphrased) sentence in multiple papers online .. as the recession intensifies central banks will see no alternative to deeper negative nominal rates to keep their governments and banks afloat through a combination of eliminating borrowing costs and inflating bond prices. .. ..e...
by susa
Fri Aug 09, 2019 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 29385

Re: Social Security -- Take it at 62, 67 or 70

jw11 wrote: I read PAGE 1 of this thread.,,... Female will never get the Males (higher earner) SS payment and has to settle for her $1300/month ??
when one dies, the other gets the higher payment

https://www.nasi.org/learn/socialsecuri ... ed-spouses
by susa
Thu Aug 01, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Income below100% FPL-danger of ACA subsidy?
Replies: 41
Views: 3191

Re: Income below100% FPL-danger of ACA subsidy?

We've come to a solution. We can arrange for a consultation payment reported as income via 1099. The firm making the payment will send 1099 to IRS and also give us a copy for tax filing. That solves the issue and we can meet the estimated ACA MAGI level to push us just $100 over the FPL and match th...
by susa
Sat Jul 27, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14559

Re: Is solar power for your home a worthwhile investment?

I'm not following you at all. Don't generators have integral inverters ? But sounds like you're using a separate inverter (or inverters). Are you using a generator that produces DC ? Yes, all our home pumps, motors, compressors are inverters that convert AC to DC and they run in variable speed mode...
by susa
Sat Jul 27, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14559

Re: Is solar power for your home a worthwhile investment?

.. but just so everyone is aware, $10k is on the moderately low end for a standby generator. Also, it won't last as long as solar panels and requires far more ongoing maintenance plus fuel to operate. Just so you (and everyone) is aware, a $2k generator handles a whole house easily. I actually paid...
by susa
Mon Jul 22, 2019 1:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard considering move to Private Equity
Replies: 3
Views: 947

Vanguard considering move to Private Equity

Dohmen Capital article: ..the giant Vanguard Fund group is considering a move into Private Equity. Obviously they see the shift by big investors. The talks are in the early stages and a final decision hasn’t been made. Vanguard has $5.3 TRILLION under management, making it the second largest fund co...
by susa
Mon Jul 22, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14559

Re: Is solar power for your home a worthwhile investment?

.. complications with having shingles replaced after hail storms, etc. Insurance pays the cost but it is an added headache. Assuming somewhere in a tropical climate based on your icon, but even if not ... what happens when you need roof work as in a complete reroof about every 10,15 or 20 years? Do...