Search found 58 matches

by RMD3819
Sun Nov 17, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Considering strategy of dealer financing for the bonus then an immediate payoff
Replies: 4
Views: 435

Considering strategy of dealer financing for the bonus then an immediate payoff

About to buy a new Ford Ranger. I have cash to buy and credit in the 800s. Ford website is vague about their financing bonus, seems to be $1,000, if you qualify etc with the "see dealer for details". Someone told me the strategy to take the dealer financing and get the bonus then immediately pay off...
by RMD3819
Sat Oct 12, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Received SSDI lump sum and want tp pay the taxes on it now
Replies: 12
Views: 1036

Re: Received SSDI lump sum and want tp pay the taxes on it now

I have taken the advice and moved $15K into a CD.

After looking at pub 915 I will wait until tax time and start doing the worksheets when we get the 1099.

Thanks for all the help.
by RMD3819
Wed Oct 09, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Received SSDI lump sum and want tp pay the taxes on it now
Replies: 12
Views: 1036

Re: Received SSDI lump sum and want tp pay the taxes on it now

tomd37 wrote:
Wed Oct 09, 2019 1:22 pm
RMD3819
How many prior years is the lump sum payment applicable to? HueyLD is correct that you need to learn more about this matter via Pub 915. :dollar

October 1, 2016<———This is the date on the award letter that states the disability began.
by RMD3819
Wed Oct 09, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Received SSDI lump sum and want tp pay the taxes on it now
Replies: 12
Views: 1036

Received SSDI lump sum and want tp pay the taxes on it now

Wife received $62K retrocactive SSDI payment in a lump sum. I want to pay the tax on it now and avoid the hit at tax time. I have read 1040-ES and am confused if this is the appropriate form or not. If the advice is to wait I need to know how to figure the amount I should hold separately. Last year ...
by RMD3819
Thu Sep 19, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Wife awarded SSDI-need advice on next steps.
Replies: 4
Views: 772

Wife awarded SSDI-need advice on next steps.

Wife, age 58, got approved for SSDI and I am now in the planning stages of what to do next. There is much conflicting info on the web and even on the SS and Medicare sites. The dates: October 1, 2016<———This is the date on the award letter that states the disability began. January 18, 2017<———-The d...
by RMD3819
Wed Aug 28, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Mint customer service chat wants my full legal name and email for a problem account
Replies: 3
Views: 445

Mint customer service chat wants my full legal name and email for a problem account

Today both my Nationwide Retirement accounts were marked "inactive" in Mint. Tried the usual fixes with no luck. Tried deleting and adding the accounts show but no amounts. I can log on directly without problem Contacted Mint customer support chat and they asked for my full legal name and email asso...
by RMD3819
Thu May 30, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Another Trustee/trust Question
Replies: 16
Views: 1287

Re: Another Trustee/trust Question

I went through this recently: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=254745&p=4314733#p4314733 I am not in the same situation but you may find some helpful tips from the posters that helped me. I chose a bank located in South Dakota instead of Vanguard (where I have accounts) because i...
by RMD3819
Tue Apr 02, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I just pay this medical bill?
Replies: 31
Views: 3823

Re: Should I just pay this medical bill?

Update.... I talked with the rep from the MRI center who has been working on this. The summary was she is still working on it. She did mention they were checking the contract will their billing company to see if they only bill for physicians. If that turns out to be true then they are not in the Ci...
by RMD3819
Tue Apr 02, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I just pay this medical bill?
Replies: 31
Views: 3823

Re: Should I just pay this medical bill?

Update.... I talked with the rep from the MRI center who has been working on this. The summary was she is still working on it. She did mention they were checking the contract will their billing company to see if they only bill for physicians. If that turns out to be true then they are not in the Cig...
by RMD3819
Fri Mar 29, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I just pay this medical bill?
Replies: 31
Views: 3823

Re: Should I just pay this medical bill?

-The problem is the bill was filed under the MD name-who is not in network-and processed at out of network parameters. MRI center insists this is wrong and should be billed under the center's tax ID (in network) but is having trouble with their billing contractor. The network status of the doctor o...
by RMD3819
Fri Mar 29, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I just pay this medical bill?
Replies: 31
Views: 3823

Re: Should I just pay this medical bill?

Wow! A 1099-C. Never heard of that. I can wind up paying taxes on money I don't owe. Swell. The entry shows the deduction as "Commercial ins adjustment". To answer the questions- This bill is for the MRI procedure, not the MD fees. The MRI center told me they pay the MD directly and there is no sepa...
by RMD3819
Thu Mar 28, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I just pay this medical bill?
Replies: 31
Views: 3823

Re: Should I just pay this medical bill?

pdavi21 wrote:
Thu Mar 28, 2019 7:30 pm
Make sure they aren't going to 1099 you as well.
What does that mean?
by RMD3819
Thu Mar 28, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I just pay this medical bill?
Replies: 31
Views: 3823

Should I just pay this medical bill?

Summary: -Wife has MRI in February of 201 8 . This was done at an in network facility. -After almost a year of wrangling with wrong insurance info and just general incompetence their billing contractor finally files with my insurance and in January 2019-almost one year later they get a payment of $4...
by RMD3819
Thu Mar 28, 2019 4:56 pm
Forum: Personal Investments
Topic: $480K, no job, special needs kids, what to do?
Replies: 52
Views: 6067

Re: $480K, no job, special needs kids, what to do?

The first thing I would do is move that Franklin into almost anything Vanguard. I looked at it and it is awful for your situation. A Vanguard money market would even be better even with paltry interest but at least you won't lose money. You can move it easily once you have a strategy in place. A few...
by RMD3819
Thu Mar 28, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Upgrading iPhone 5S to SE
Replies: 18
Views: 929

Re: Upgrading iPhone 5S to SE

I have done this upgrade except it was ATT and I bought a new phone from Apple.

The SE must be compatible with Verizon and then only the SIM must be switched along with signing off/on iCloud.
by RMD3819
Wed Mar 27, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mail receiving/Scanning services in March 2019?
Replies: 7
Views: 563

Re: Mail receiving/Scanning services in March 2019?

Don't overthink this. We live and travel in our RV full time and use a mail forwarder in South Dakota called America's Mailbox. It provides a service similar to Escapees mentioned above. There are thousands and thousands of folks using these services-RVvers, military, folks that live overseas or wor...
by RMD3819
Fri Jan 11, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice will vs trust for my situation
Replies: 30
Views: 2719

Re: Need advice will vs trust for my situation

Update- Finally got everything done and signed. We are comfortable that the trust will distribute things as we wish. Our daughter (now 33) gets payments for her lifetime the our niece (now 8) then gets it for the rest of her life and then to specific charities when she dies. A few more things for th...
by RMD3819
Fri Jan 11, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file an insurance claim?
Replies: 6
Views: 952

Re: Should I file an insurance claim?

Update-

The CLUE report came and my claim is not on it so I went ahead and filed the claim. My agent also mentioned he did not think a comprehensive claim would result in a surcharge.

Waiting on the adjuster...
by RMD3819
Thu Jan 03, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Career Switch Pt. 2 (IT > Fire Fighter)
Replies: 19
Views: 2216

Re: Career Switch Pt. 2 (IT > Fire Fighter)

Retired paramedic here. Random thoughts: -EMT school is an excellent way to get your feet wet. -Aim for the big city departments. They generally pay the best and have the best benefits and pension. -The early years your base salary will likely be fairly low. You can boost your income through overtim...
by RMD3819
Tue Dec 18, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file an insurance claim?
Replies: 6
Views: 952

Re: Should I file an insurance claim?

I talked to my agent and the rough math shows that in the worse case scenario I would likely break even if I file a claim. This takes into account the surcharges for the next three years which he said would be $600/year. He said if it was him he would file. He also said wait until the new policy is ...
by RMD3819
Mon Dec 17, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file an insurance claim?
Replies: 6
Views: 952

Should I file an insurance claim?

Background: Wife and I live full time in a large but "medium" price wise RV, traveling around the country. About a year ago we had some damage totaling about $7K with a $1K deductible. The claim experience was fantastic with little hassle. Policy renewal arrived and there is no surcharge for the cla...
by RMD3819
Sat Dec 08, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10677

Re: How did YOU choose your career?

During/after HS I wanted to be in hospital/health care administrator. Dad golfed with a hospital administrator and I talked with him. He gave me a candid opinion on the field and I was intrigued. Also during HS I joined an emergency services Explorer post. This led to membership in a volunteer fire/...
by RMD3819
Sat Dec 08, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott Starwood Security breach - 500 million guests
Replies: 26
Views: 3766

Re: Marriott Starwood Security breach - 500 million guests

So what is the verdict-enroll in Kroll or not?

I set up an account but did not add my cc or SS-yet.
by RMD3819
Tue Oct 23, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - success!!!
Replies: 102
Views: 15447

Re: Empty nester downsizing - any advice?

We downsized from a house with guest house plus two sheds into an RV plus 5X7 storage locker. We live full time in the RV and travel around. Started decrapping years before actual retirement. Thoughts: -Used eBay, CL and FB yard sale. Hate haggling so listed ultra low pricing. Overall was OK but you...
by RMD3819
Thu Oct 04, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice will vs trust for my situation
Replies: 30
Views: 2719

Re: Need advice will vs trust for my situation-UPDATE

Update- We met with a SD estate planning lawyer. Wills, POA and healthcare package is $1400 (which he said he thought was high) or $2200 for a trust with the wills etc. Trust charges 1% per year when activated. This was a no cost consultation with no monies due until we are happy with the final docu...
by RMD3819
Thu Jul 26, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice will vs trust for my situation
Replies: 30
Views: 2719

Re: Need advice will vs trust for my situation

Wow! So many fantastic comments giving me things to think about. FireChief-Your post in particular hit me in the head. Given her employment patterns I doubt DD will earn enough credits for SS and if she does it will be the minimum amount. The trust may be a way to provide support when she retires (o...
by RMD3819
Thu Jul 26, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Moral dilemma - What would you do?
Replies: 54
Views: 6162

Re: Moral dilemma - What would you do?

Is it your DH's opinion that his solution is better? I have run into a lot of people like that who were just flat wrong. Engineers are famous for this. Often times they couldn't see the forest through the trees. So, I would have to get a complete picture before I sided with your DH and condemned th...
by RMD3819
Wed Jul 25, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Need advice will vs trust for my situation
Replies: 30
Views: 2719

Re: Need advice will vs trust for my situation

You're conflating two different issues: whether to provide for her in trust rather than outright, and whether to do so in your Will or in a revocable trust. From what you've described, you would want to provide for her in trust rather than outright. You can give her effective control over her trust...
by RMD3819
Tue Jul 24, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice will vs trust for my situation
Replies: 30
Views: 2719

Re: Need advice will vs trust for my situation

No grand kids. I admit controlling from the grave has some appeal though that is not a primary goal. One of my concerns is she will need someone to help her with the process. A trust will require someone to help her, even at a cost. Her trying to get things moving waving the will around won't be pro...
by RMD3819
Tue Jul 24, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice will vs trust for my situation
Replies: 30
Views: 2719

Need advice will vs trust for my situation

Need advice of a will vs trust for my situation. Wife and I both mid 50s and retired. We live and travel full time in our RV. When we did this we left our long time state of FL, where our latest wills were made, and switched to domicile in SD. -Own no real estate. -Own one car and the RV. -I have a ...
by RMD3819
Tue Dec 26, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 9101

Re: How do Bogleheads save on eyeglasses?

I liked Costco the best but now that we are retired and travel in our RV full time we are not in one spot long enough to wait the two weeks Costco requires. Last pair we bought was from WM. When i was working and had VSP insurance I found it largely useless for glasses (good for the exam). It seemed...
by RMD3819
Sat Dec 23, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 85
Views: 12649

Re: Uber vs Ambulance - HUGE cost difference

My Parents are both 90 plus years old and live 5 houses from the hospital. We have had to call the ambulance many times through the years and the cost was $1200-$1600 each time. Luckily they have excellent secondary insurance and they paid nothing out of pocket. I can do one better. Long story shor...
by RMD3819
Fri Dec 22, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 85
Views: 12649

Re: Uber vs Ambulance - HUGE cost difference

Although I retired in 2016, I have been a paramedic since 1980. There are a few points in this thread I wish to comment on. Unless you need the services of an ER , anything else will be faster and cheaper. Uber is no different than private car or taxi taking you to the ER. Generally though if you ar...
by RMD3819
Fri Dec 22, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 165
Views: 31500

Re: Where to retire in Florida?

Disappointing to hear this about Key West. First Times Square and now Key West too? I used to visit these places as a student in the 80s and they were cool because they were salty. BFG I'm revisiting this post as the New England winter is rearing its ugly head. I'm seriously thinking of selling my ...
by RMD3819
Mon Jan 16, 2017 10:29 am
Forum: Personal Investments
Topic: Found old stock certificates-how can I confirm if they are worth anything?
Replies: 3
Views: 854

Found old stock certificates-how can I confirm if they are worth anything?

I found old stock certificates in my deceased parents things. I called Vanguard (where I have an account) and gave them the CUSIP numbers. After a long wait the rep came back and said two were unlisted and one was private, and he could not say one way or another if they had any value. I don't have m...
by RMD3819
Sun Feb 01, 2015 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on financing RV
Replies: 7
Views: 1468

Re: Need advice on financing RV

Doesn't that require closing costs and appraisals and all that?

The house is paid for. I can't see getting a HELOC mixed into the house when we are trying to sell it.

Thanks for the idea though.
by RMD3819
Sun Feb 01, 2015 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Dilemma
Replies: 28
Views: 3330

Re: Term Life Insurance Dilemma

The online policies I was talking about were gUL.

I wanted a policy that was forever with level premiums-permanent term which doesn't exist apparently.
by RMD3819
Sun Feb 01, 2015 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Dilemma
Replies: 28
Views: 3330

Re: Term Life Insurance Dilemma

I appreciate the thoughts and didn't mean to hijack the thread. I looked at gUL and actually that is why I contacted NW. They offer these but found out only in the $1M and up and that is out of my reach. I didn't care for the online policies I saw so ultimately I went with whole life as a component ...
by RMD3819
Sun Feb 01, 2015 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Dilemma
Replies: 28
Views: 3330

Re: Term Life Insurance Dilemma

What are those policies called?
by RMD3819
Sun Feb 01, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on financing RV
Replies: 7
Views: 1468

Need advice on financing RV

Next year I will retire at 54 and wife and I will hit the road full time in an RV. We will sell our house. I have a couple of financing options and would like some thoughts. The RV will be around $250K. RV financing seems to be around 4-5%. We are buying the RV and putting the paid for house (conser...
by RMD3819
Sun Feb 01, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Need SS calculator for early retirees
Replies: 5
Views: 902

Re: Need SS calculator for early retirees

OK thanks I'll try those.
by RMD3819
Sun Feb 01, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Dilemma
Replies: 28
Views: 3330

Re: Term Life Insurance Dilemma

I am not a fan of whole life but just bought one last year from Northwestern when I was 52. In my case wife and I bought 20 year term when in our 20s which now expired and because of our situation if I die first her lifestyle would be severely compromised. I didn't want another 20 year term as that ...
by RMD3819
Sun Feb 01, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Need SS calculator for early retirees
Replies: 5
Views: 902

Re: Need SS calculator for early retirees

I am using the estimator on the SS website which pulls from my history.
by RMD3819
Sun Feb 01, 2015 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Need SS calculator for early retirees
Replies: 5
Views: 902

Need SS calculator for early retirees

I will be retiring next year at 54. The SS calculator shows your benefit when you are eligible but assumes you will be working up until that eligibility. Is there any calculator or formula that can be used that doesn't have that assumption? I am trying to estimate my SS but without working income fr...
by RMD3819
Thu Apr 11, 2013 7:57 pm
Forum: Personal Investments
Topic: Where to put ROTH money
Replies: 14
Views: 2287

Re: Where to put ROTH money

Thank you very much!
by RMD3819
Thu Apr 11, 2013 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Need help deciding which health insurance option is better
Replies: 3
Views: 652

Re: Need help deciding which health insurance option is bett

The $1500 HRA-something doesn't sound right. It is a reimbursement account. Reimbursed from where? My HRA deducts an amount I set each check as pre tax and I get reimbursed as I pay out of pocket up to the yearly limit that I set.

Spend $500 and get a check for $1500 doesn't sound right.
by RMD3819
Thu Apr 11, 2013 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Surgicenter bill for colonoscopy
Replies: 45
Views: 7851

Re: Advice for Surgicenter bill for colonoscopy

Wouldn't Aetna pay a reduced amount under the OON provisions versus nothing at all?

We don't have the personal medical details, but aren't screening colonoscopies something that must be covered under Obamacare?