Search found 437 matches

by susa
Thu Sep 20, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 8786

Re: Delaying Social Security Until 70

smitcat wrote: - what all of this will mean for a surviving spouse
All good points to ponder and I would add

- what having done tIRA to Roth conversions would have meant for beneficiaries vs. tax consequences of passing IRA's to children
by susa
Fri Sep 14, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5793

Re: Lab test prices - exasperating!

VictoriaF wrote: When do they normally run sales?
in the original message.. wrote: ...purchase is April during Supersale...
by susa
Wed Sep 12, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5793

Re: Lab test prices - exasperating!

I used this website once: www .lifeextension.com/Vitamins-Supplements/Blood-Tests/Blood-Tests +1 We *always* do our entire family annual tests (ie. purchase is April during Supersale, goto Quest/Labcorp inside next 6 months) there ... last time we purchased for everyone a 7-vial (..felt a bit faint...
by susa
Sat Sep 01, 2018 5:29 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate SS PIA for Spouse who died relatively young?
Replies: 13
Views: 1453

Re: How to calculate SS PIA for Spouse who died relatively young?

Would anyone / Has anyone - considered using the $40 calculator (https://maximizemysocialsecurity.com/) to resolve questions as presented in this thread ? Am just curious in case there is even anecdotal evidence of its' performance.
by susa
Thu Aug 30, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to park 1m into Vanguard IRA
Replies: 7
Views: 1325

Re: Looking to park 1m into Vanguard IRA

The entire sum is in an interest paying account, ie. 5%, not in a fund of any kind.

It is all or nothing.
by susa
Wed Aug 29, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to park 1m into Vanguard IRA
Replies: 7
Views: 1325

Looking to park 1m into Vanguard IRA

Have just one question before I move about 1m from another institution (in 401k) into a new VG IRA Current 401k funds earn a no-brain-required interest 5%, posted daily. It has been doing this for decades, through ups and down of the market and I like it that way, as I do not have to make any kind o...
by susa
Wed Aug 22, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 488
Views: 72331

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

You need a 3/8" drive rachet handle (no socket). Apply force, and it will let go all at once, so watch your knuckles. Couple more tips and these apply to any similar situation when changing the DW-1, HCF-2 (CVT), VTM-4 (Ridgeline) and differential(s): We use a rachet handle mated with a small sciss...
by susa
Wed Aug 22, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 488
Views: 72331

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Have there been actual engine failures documented specifically due to this issue? Read about Engine/Fuel System as listed by year,make,model on https://www.nhtsa.gov Some people have dealers changing oil every few hundred miles now... Couple items to be aware of and mitigation steps we've taken: 1....
by susa
Mon Aug 20, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2824

Re: Costco penny install sale & road hazard terms

lazydavid wrote: .. for about two miles until I could get to a gas station and air it up.
Wow! (in the voice of omar..)

More amazed that you took the risk of damage to wheel as it surely changes the geometry of the metal if tire completely flat ?
by susa
Mon Aug 20, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Trust as Beneficiary OF ROTH and Traditional IRA
Replies: 18
Views: 1514

Re: Trust as Beneficiary OF ROTH and Traditional IRA

If a Roth IRA is left directly to an heir, since taxes were already paid on the funds by deceased parents, please post an example of possible tax ramifications ? Does a trust remove any/all of them ?

Assume modest balance, ie. 100k and heir with income below 20k/year.
by susa
Mon Aug 20, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2824

Re: Costco penny install sale & road hazard terms

Can I ask where you got this info? I knew Costco would have their usual $70 off Michelin’s in September but I have been holding off for this particular penny installation to get new tires on. Do you know when the sale starts? Should be starting Sep For comparison, BJ's Warehouse vs Costco (a random...
by susa
Fri Aug 17, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1757

Re: Mail order pharmacy

Pillpack was recently acquired by Amazon. Pillpack is VERY expensive compared to Publix, Walmart etc. in similar both in brand name and generic One example: Cozaar / Losartan 25mg 90 day supply at Publix $7 and change Same from Pillpack in generic is 30 day supply at 14 and change If you do any int...
by susa
Thu Aug 16, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2824

Costco penny install sale & road hazard terms

In a couple weeks, Costco will offer 1 penny installation for Michelins (currently Bridgestones). Does anyone have a 1st hand experience in how they actually treat customer with/when one out of four tires hits the nail on the road (or debris) and must be replaced, assuming Costco Road Hazard policy ...
by susa
Thu Aug 16, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Are Roth conversions a no-brainer for me?
Replies: 22
Views: 2185

Re: Are Roth conversions a no-brainer for me?

See my article on Roth conversions under the Tax Cuts and Jobs Act in the June 2018 issue of Trusts & Estates: https://www.kkwc.com/wp-content/uploads/2018/08/Tax-Reform-Opens-Window-for-Roth-Conversations.pdf. Thank you for the link. Does this mean that a Roth IRA beneficiary in a non-trust situat...
by susa
Mon Aug 13, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1617

Re: Understanding Medicare Options?

Watty wrote: I would highly recommend the book "Medicare for Dummies" despite the title.
http://media.wiley.com/assets/7359/93/9781119419457.pdf
by susa
Mon Aug 06, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: HSA Rollover
Replies: 13
Views: 1221

Re: HSA Rollover

harmoniousmonk wrote: a statement increasing my balance by 0.29
We moved from Health Equity to Connexus Credit Union (anyone can join) which pays 2.00% interest monthly.

Connexus took care of all details for the move. We did pay 25.00 to HE to close account but no other fees to anyone.
by susa
Wed Jul 25, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Best Banks 2018
Replies: 15
Views: 2023

Re: Best Banks 2018

We like combination(s) of Bank of America Premium Rewards status (tiers 20k,50k,100k) combined with their rewards bonus on Visa up to 3.75% and for Money market we use banks like Northfield with current APY 2.25% https://www.doctorofcredit.com/northfield-bank-platinum-savings-online-account-2-25-apy...
by susa
Mon Jul 16, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Death Book
Replies: 41
Views: 18513

Re: Death Book

We use Google Death with automatic email notice within 30 days of inactivity

That allows access to a separate backup email account with Google Docs for all the important stuff

https://support.google.com/accounts/tro ... 7590?hl=en
by susa
Wed Jul 04, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Virtual Bank 2.01% MM [Money Market] savings account
Replies: 4
Views: 1140

Re: Virtual Bank 2.01% MM [Money Market] savings account

We moved accounts from Popular Direct which was still paying 2.00% APY as of June EOM statement cycle to Northern Bank which pays 2.26% APY for balances up to 250,000.00
by susa
Sat Jun 30, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 488
Views: 72331

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

- The second thing is the oil used is 5W30, where the manufacturer specifies 0W20. We (extended family) drive Hondas on 3 continents (AUS, EU, USA) and have same engines, same model years, same cars (Accords, Civics, Ridgelines, CRVs) with wide recommendations in same climate conditions. Thus, in A...
by susa
Wed Jun 06, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: New SS claiming calculator ["Open Social Security" - ObliviousInvestor]
Replies: 65
Views: 5944

Re: New SS claiming calculator

Maybe already posted - did not read all comments 1) used default dataset and did not check Advanced Options and received output numbers/dates 2) used Advanced Options and changed a couple assumptions and received output numbers/dates 3) unchecked Advanced Options but now calculation is stuck on opti...
by susa
Wed May 23, 2018 3:59 am
Forum: Personal Finance (Not Investing)
Topic: Difference between 1099R and Form 5498
Replies: 2
Views: 601

Difference between 1099R and Form 5498

When we file with IRS around Feb after receiving online 1099R, the actual numbers in Box 5 of Form 5498 are always higher. Form 1099R has the value from Box 3 ..conversion amount.. but Box 5 is the .. Fair market value Does that matter and is this for "file and save" purpose only? ie. no action is n...
by susa
Tue May 22, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Roth withdrawal after age 60 and over 5 yr period
Replies: 4
Views: 374

Re: Roth withdrawal after age 60 and over 5 yr period

We haven't written checks for two decades. Any checks. All funds or payments have been handled via bank transfers, in/out or via credit cards, paypal etc. I see this note on the link and assume that means we don't really have to "write checks" ? Connect your bank The easiest way to move money betwee...
by susa
Tue May 22, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Roth withdrawal after age 60 and over 5 yr period
Replies: 4
Views: 374

Roth withdrawal after age 60 and over 5 yr period

How does this work in practice ? MFJ both over 60, both retired, no income, not planning to file SS until after 66, still have years to go. Roth accounts all at Vanguard and oldest Roth's opened over 10 years ago. Newest ones opened each year until we got rid of all traditional IRA accounts (tIRA's ...
by susa
Sat May 12, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 469
Views: 100427

Re: Bank of America Preferred Rewards

We qualified for the initial bonus, waited the required 60+30 days and posted the 500+160 cash reward (actually a bit more) with the initial boosted bonus. The trick initially was to NOT cash the reward immediately but wait 3 months. Once that happened, we moved excess funds into Popular Direct 2.00...
by susa
Fri May 11, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Widower
Replies: 6
Views: 1073

Re: Social Security Widower

Some have paid the 40/fee to analyze their situation/plan

https://maximizemysocialsecurity.com/
by susa
Mon Apr 30, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Money Market Account or Online Savings for Emergency Fund
Replies: 23
Views: 2616

Re: Money Market Account or Online Savings for Emergency Fund

MonkeyPants wrote: ... based on interest rate alone I am leaning towards CIT Bank.
We just moved from CIT Bank to Popular Direct 2.00%

https://www.populardirect.com/login
by susa
Tue Apr 24, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5948

Re: [Vanguard account locked out due to deceased owner]

Question for future reference.. We have signed and notarized a full control-full access among 3 persons to all accounts held individually by each of these 3 persons. That means, VG allows any one of 3 user logons to be used to BOTH see and execute trades, buy, sell, exchange by any of the 3 in any o...
by susa
Sun Apr 22, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 10426

Re: What is a good flat rate cash back credit card?

The regular Bank of America Cash Rewards card with $100k at M-E. ....keep an account around with nothing in it and use it solely for collecting rewards and moving them to wherever you actually want the money. Is there a M-E savings account that earns 2.00% interest, similar to https://www.populardi...
by susa
Mon Apr 16, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 20
Views: 2506

Re: Best High Interest Savings Account?

Popular Direct 2.00% on savings starting at 5k -- we just moved from CIT Bank 1.75% and previously from Able Bank 1.70%

Rates are higher for CD's

https://www.populardirect.com/

https://www.doctorofcredit.com/best-ban ... t-bonuses/
by susa
Thu Apr 12, 2018 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Live Oak Bank - anyone have experience?
Replies: 10
Views: 1493

Re: Live Oak Bank - anyone have experience?

We just moved bulk of our savings into Popular Direct paying 2.00% APY

Previously at CIT Bank Money Market Savings which paid 1.75% APY

Reading this resource monthly or weekly
https://www.doctorofcredit.com/best-ban ... t-bonuses/
by susa
Tue Apr 03, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: No will. What happens to my accounts if I die?
Replies: 34
Views: 3671

Re: No will. What happens to my accounts if I die?

robert27 wrote: So if I die tomorrow, how would they know where to find them?
Use Google Death
by susa
Wed Mar 21, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Delayed credit card alerts from USAA Bank
Replies: 3
Views: 368

Re: Delayed credit card alerts from USAA Bank

Bank of America is not much better, except on the business/corporate card. Example: 1. BOA Business Visa alerts releases a message (text or email) the moment the charge posts as Pending or is authorized. That is great for detecting fraud or unauthorized use of card. 2. BOA Premium Rewards Visa alert...
by susa
Tue Mar 13, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: High Yield Savings Account Recommendations?
Replies: 48
Views: 5254

Re: High Yield Savings Account Recommendations?

CIT Bank is 1.75% as of March 2018.
by susa
Fri Feb 16, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus and Tax reporting
Replies: 9
Views: 892

Re: Bank Bonus and Tax reporting

If you have not received more than $300.00 not reporting summary is required Something is wrong in the sentence - is this actually what the response states in writing ? FWIW - TD Bank appears to not report 1099-INT's in a manner consistent with other banks.. if you received the 300, report it as in...
by susa
Sat Jan 20, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Form 1099-R IRA/SEP/SIMPLE box affecting refund
Replies: 52
Views: 2933

Re: Form 1099-R IRA/SEP/SIMPLE box affecting refund

But somewhere in the process you are telling the software that this is a conversion, correct? Just did our 2017 taxes using as only source/proof of income a Vanguard 1099-R and Code for Box 7 = 07. HR Block 2017 Deluxe did not ask me if we did a conversion when moving funds from a T-IRA to a Roth I...
by susa
Sat Jan 13, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion confusion
Replies: 28
Views: 1495

Re: Roth conversion confusion

I am converting my T-IRA to Roth because I do not want RMD's. // Can I do a conversion to Roth in 2019 for the remaining balance of the T-IRA in order to avoid having to ever take RMD? As I understand your question, here is a simplified example of your T-IRA balances by year Let's assume you have 5...
by susa
Thu Jan 11, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Select account Preimeraccount not FDIC covered
Replies: 8
Views: 561

Re: Select account Preimeraccount not FDIC covered

Our HSA is with connexuscu.org, pays 2.00%
by susa
Fri Dec 22, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI planning
Replies: 57
Views: 6278

Re: ACA MAGI planning

If you get real sick it will cost you (in my case) about $7k before I reach the maximums. No specifically a reply to mrgeeze but just to capture an often misunderstood point on "reaching maximums" Recently, an aquaintance met their family deductible max. They mistakenly thought, great, after this, ...
by susa
Tue Dec 05, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Input on HSA Providers
Replies: 4
Views: 546

Re: Input on HSA Providers

We moved recently from Health Equity to https://www.connexuscu.org/rates/#deposit
Currently paying 2% on entire balance
by susa
Fri Dec 01, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Former Employer refusing to contribute earned Wellness Rewards
Replies: 6
Views: 1211

Re: Former Employer refusing to contribute earned Wellness Rewards

American Express used to do that to their ex-employee Wellness Rewards and their attitude when queried by their former employees was summarized as ..Go pound some Sand....
by susa
Thu Nov 30, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Taxes in Retirement [ways to forecast]
Replies: 30
Views: 3533

Re: Taxes in Retirement [ways to forecast]

ad2007 wrote: We're most likely pass on inheritance to our 2 children. So... passing on a Roth is better, yes?
Thus the whole conversion idea.
Have you ruled out gifting money directly ? There is no tax consequence and the lifetime taxfree limits are generous.

Both of you can make lifetime gifts.
by susa
Wed Nov 29, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 31425

Re: Why not take Social Security at 62

.. for married couples who depend largely on Social Security rather than their own assets, the worst case is for one spouse to die early in retirement and the other to live a long time with only one Social Security benefit. What happens in these scenarios: Assumptions: Difference between survivor b...