Search found 2378 matches

by Katietsu
Tue Nov 12, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2212

Re: Question on refilling prescriptions

I am curious as to much the OP is expecting to save by splitting pills and shopping around. DH has a prescription that is $10 for 90 days at Walmart. He does this and chooses not to go through insurance. Insurance cost would be about $15 a month. He could save $20 a year through pill splitting but I...
by Katietsu
Tue Nov 12, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating going self employed, what to consider?
Replies: 8
Views: 273

Re: Evaluating going self employed, what to consider?

I thought about a franchise since I have zero experience in running a business. This statement worries me very much. A franchise will not save you from a lack of experience or knowledge. If anything, it could make your losses greater since you would have costs associated with franchising in additio...
by Katietsu
Tue Nov 12, 2019 8:33 am
Forum: Personal Investments
Topic: TIAA's real estate fund
Replies: 10
Views: 531

Re: TIAA's real estate fund

Here is the link for who is eligible:

https://www.tiaa.org/public/retire/fina ... a-benefits

I did know that you could qualify by relationship but did not realize how broad the definition had become.
by Katietsu
Tue Nov 12, 2019 1:31 am
Forum: Personal Investments
Topic: TIAA's real estate fund
Replies: 10
Views: 531

Re: TIAA's real estate fund

This fund is not available to the general public. As far as I am aware, you must have an established relationship with TIAA which began with an employer plan.
by Katietsu
Mon Nov 11, 2019 11:54 pm
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 54
Views: 6388

Re: Spectrum Internet has a good scam going

I too thought that the OP said the service ended on October 25 and the first service date on the next bill was October 26. As far as paying for the full month even if you only use a day or two, that is not unique to Spectrum or internet. Switching cell phone providers and closing the account account...
by Katietsu
Mon Nov 11, 2019 11:21 pm
Forum: Personal Consumer Issues
Topic: Giving away cat that has microship...
Replies: 13
Views: 1905

Re: Giving away cat that has microship...

Asking because I may not have the time to change the registration information to the new owner. Get your vet and microchip records together now in preparation for the change in ownership. When it happens, it should take you less time to report the change than it will for you to read these answers.
by Katietsu
Mon Nov 11, 2019 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: OB/GYN Prepayment?
Replies: 17
Views: 894

Re: OB/GYN Prepayment?

Would it make sense to view this almost like an escrow account?
by Katietsu
Mon Nov 11, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Cleaning my (Financial) House
Replies: 8
Views: 1014

Re: Cleaning my (Financial) House

I would suggest that it is more important to organize information so that someone can step in in the case of illness. Does your medical POA have a basic understanding of your health insurance and/or long term care insurance? Do they know your preference for a rehab facility? Does someone know if you...
by Katietsu
Mon Nov 11, 2019 1:36 am
Forum: Personal Investments
Topic: Backdoor Roth Gone Wrong
Replies: 12
Views: 1200

Re: Backdoor Roth Gone Wrong

You guys are truly awesome. Thank you for pointing out that I should convert in 2019 before my tax rate goes up. Some of these things seem so obvious once someone else points them out... Just to summarize (please correct me if I'm wrong): 1) Form 8606 for 2016 - looks like I did this after all. Lin...
by Katietsu
Sun Nov 10, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Verizon Wireless discounts on iPhones (and other smart phones) -- is there any gotcha here?
Replies: 8
Views: 992

Re: Verizon Wireless discounts on iPhones (and other smart phones) -- is there any gotcha here?

Yes, you understand correctly. If available, I like the gift card offers because you get your money up front without commuting to stay with a given provider. However, often the gift card offers require a new line. So you would have to play some games to use it on your existing plan with your existi...
by Katietsu
Sun Nov 10, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Verizon Wireless discounts on iPhones (and other smart phones) -- is there any gotcha here?
Replies: 8
Views: 992

Re: Verizon Wireless discounts on iPhones (and other smart phones) -- is there any gotcha here?

Yes, you understand correctly. If available, I like the gift card offers because you get your money up front without committing to stay with a given provider. However, often the gift card offers require a new line. So you would have to play some games to use it on your existing plan with your existi...
by Katietsu
Sun Nov 10, 2019 9:03 pm
Forum: Personal Investments
Topic: Need advice on maximum IRA contributions - possible oops!
Replies: 8
Views: 421

Re: Need advice on maximum IRA contributions - possible oops!

No need to be in panic mode. You have months to sort this out. Read the previous advice. Decide what you want to do and make the request. Excess contributions for one reason or another is a common thing and they should have no trouble handling your request.
by Katietsu
Sat Nov 09, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: PA tax question
Replies: 1
Views: 347

Re: PA tax question

No. You can not deduct mileage driving from job 1 to job 2 for PA income tax purposes unlike the old federal mileage rules.

Please review:
https://www.revenue.pa.gov/GeneralTaxIn ... leage.aspx
by Katietsu
Sat Nov 09, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Transfer
Replies: 9
Views: 785

Re: Credit Card Transfer

I helped a relative obtain a 7% loan to pay off credit card debt at 16%. Worked out. The real question is whether or not she is prepared to make changes going forward. If she is willing to come up with a budget and plan to pay off the debt, I might be willing to match part of her payments or gift th...
by Katietsu
Sat Nov 09, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: When to move to FL? (tax implications and more)
Replies: 13
Views: 1428

Re: When to move to FL? (tax implications and more)

Please confirm, but I believe Wisconsin uses a percentage approach to determining income tax for part year residents. You calculate your tax liability on your full year income then multiply that amount by the % of income that is taxable to Wisconsin. For instance, say that your income was $100,000 w...
by Katietsu
Sat Nov 09, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: shocking hospital fee estimate
Replies: 45
Views: 3944

Re: shocking hospital fee estimate

Before this thread gets shut down... Back to the OP, As long as it is all in network, you do have a very low OOP. So, I am not sure why you would spend your time tracking this down. I am highly suspect about the 90k being the amount the insurance company will pay. It sounds more like the rack rate. ...
by Katietsu
Sat Nov 09, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 53
Views: 4993

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

I would go back to the old company as soon as possible if you know that is what you want. Don’t waste the new company’s time integrating you. Just make sure you are ready to commit to old company and plan on staying there awhile. What will burn bridges and appear flaky is if you leave old company ag...
by Katietsu
Sat Nov 09, 2019 11:03 am
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 353
Views: 37829

Re: Best CD rates thread

When I was told the offer was going to be extended until Nov 30th (by more than one PSECU CSR, by the way - in fact, I was told by at least one long-tenured CSR that she had never seen PSECU early terminate a promotional CD rate) I suspect the difference is that PSECU recently opened membership to ...
by Katietsu
Sat Nov 09, 2019 10:16 am
Forum: Personal Investments
Topic: Simplest way to rollover a Rollover IRA into an Employer 401k
Replies: 8
Views: 270

Re: Simplest way to rollover a Rollover IRA into an Employer 401k

The plan administrator might be able to help you but certainly not without your assistance. There will be paperwork to be completed that will be from whoever holds your IRA. I think you will need to be the one that obtains that form. How helpful the plan administrator may be at helping you complete ...
by Katietsu
Fri Nov 08, 2019 7:13 pm
Forum: Personal Investments
Topic: Assuming Control of Mom's Morgan Stanley Acct.
Replies: 18
Views: 1205

Re: Assuming Control of Mom's Morgan Stanley Acct.

Make sure your Mom's care plan is doctor signed off as medically needed and you have a copy of it, then you should be able to use the A-L costs, in excess of any LTC insurance payments, as a medical deduction. The A-L can help you with this and may have required it prior to placement. In my Dad's C...
by Katietsu
Fri Nov 08, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Name of estate on Computershare Form?
Replies: 4
Views: 246

Re: Name of estate on Computershare Form?

I have no particular knowledge just anecdotal experience. Some entities will give instructions as to how the want it written, particularly taxing authorities. Otherwise, I would just use Jane Doe Estate. You might find the statements come back titled as you specified or that they have switched it ar...
by Katietsu
Fri Nov 08, 2019 4:41 pm
Forum: Personal Investments
Topic: Investing in Taxable Account. Good or bad?
Replies: 20
Views: 2069

Re: Investing in Taxable Account. Good or bad?

At minimum, you should use a Roth IRA. You have the same flexibility as to what you can invest in and you can withdraw the money of you absolutely need to. There is really no downside. Now, is Roth IRA the definitive best choice instead of a traditional IRA or solo 401k along with an emergency fund?...
by Katietsu
Fri Nov 08, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5164

Re: Early Financial Independence. - Healthcare costs

There are many discussions on BH focused on early retirement and health insurance. There are many who have decided to continue working predominantly because of health insurance, not concern for the premium cost as much as a concern of the availability of coverage at all. The more time until Medicare...
by Katietsu
Fri Nov 08, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Early Financial Independence. - Healthcare costs
Replies: 65
Views: 5164

Re: Early Financial Independence. - Healthcare costs

I don't know much about this. Can you elaborate on why one would not want to qualify for Medicaid? Mainly flexibility and choice. Choosing your own plan makes it easier to find a doctor you like. And Medicaid adds an additional level of bureaucratic red tape that you may not care for. It is depende...
by Katietsu
Thu Nov 07, 2019 8:53 pm
Forum: Personal Investments
Topic: Spouses old forgotten 401k impact on my Backdoor Roth Contribution
Replies: 7
Views: 667

Re: Spouses old forgotten 401k impact on my Backdoor Roth Contribution

Yes, an old 401k can involuntarily convert to a traditional IRA. If your balance is $1,000 to $5,000, your employer can move the money into an IRA of the company's choice. These mandatory distributions, also called involuntary cash-outs, have different thresholds depending on what your employer has ...
by Katietsu
Thu Nov 07, 2019 8:04 pm
Forum: Personal Investments
Topic: May need to move 401k money by end of year, but not eligible for new 401k until February
Replies: 27
Views: 1368

Re: May need to move 401k money by end of year, but not eligible for new 401k until February

Have you made any conversions in 2019 yet? If not, this is not a problem. Just do your next Roth conversion in 2020. You can make your 2019 non deductible contribution in either 2019 or before the April tax filing deadline in 2020.
by Katietsu
Thu Nov 07, 2019 8:08 am
Forum: Non-US Investing
Topic: US/UK dual citizen investment advise
Replies: 3
Views: 217

Re: US/UK dual citizen investment advise

I do not know if this will help you at all. I have no specific knowledge. But, there is a financial planner Mark Zoril planvisionmn.com who works with a lot of ex pats using Interactive Brokers. His fee is only $96 a year. His plans are for people who want to keep things simple, a few index funds fo...
by Katietsu
Wed Nov 06, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: How common is ACH fraud on checking accounts?
Replies: 55
Views: 10227

Re: How common is ACH fraud on checking accounts?

I once had several hundred dollars taken out of my checking account to pay a cable bill to a company with which I had never done business. The bank promptly credited my account for the money and told me it was probably the result of someone giving an incorrect account number (mine) to the cable com...
by Katietsu
Wed Nov 06, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: Maximize 1 Day at Disney
Replies: 48
Views: 2655

Re: Maximize 1 Day at Disney

I don’t think you are crazy to fit Disney in to this trip. I do think you are crazy if you think you will have fun with a 5 year old while staying in the park for 12+ hours. I would pick your priorities. Get an on property hotel so you can take a break from the park and hit the pool for a couple of ...
by Katietsu
Wed Nov 06, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Options For FIRE Newly Diagnosed with Cancer
Replies: 22
Views: 2456

Re: Health Insurance Options For FIRE Newly Diagnosed with Cancer

Jessica, I think you're completely correct in the idea to move to a PPO plan. The whole purpose of any insurance is to protect against catastrophic events, and with a cancer diagnosis you've got one. You absolutely want access to the broadest network of providers possible. Its good you're in Oregon...
by Katietsu
Wed Nov 06, 2019 5:48 am
Forum: Personal Finance (Not Investing)
Topic: How common is ACH fraud on checking accounts?
Replies: 55
Views: 10227

Re: How common is ACH fraud on checking accounts?

My savings account was drained via ACH. The account information was never public to begin with so I don't know how they got that information. You aren't going to like my answer, but I might suggest the most common cause is probably bank error. A bit scary if that is the reason though. Also, old ban...
by Katietsu
Tue Nov 05, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Working from home vs in the office
Replies: 22
Views: 1831

Re: Working from home vs in the office

I do not think the “money” difference should be enough to be the primary deciding factor. Do what works best for you personally and professionally. Do not focus so closely on pennies on this or any other decision that will so significantly affect your life. Nickels and dimes maybe.
by Katietsu
Tue Nov 05, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2285

Re: Stinky Front Loader (Washer)

I developed a musty smell after having no problems for years. Afresh, vinegar, baking soda, only helped temporarily. Eventually realized the smell started when I stopped doing a load a week in very hot water. Most of wash is done at cool temperatures. Using the hottest water setting about once a mon...
by Katietsu
Mon Nov 04, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy with no car insurance
Replies: 18
Views: 1185

Re: Umbrella policy with no car insurance

I don’t have any good advice other than to check with other companies as to the cost of their non owners policy. I have seen lower numbers but insurance is so variable. The problem that I see is that umbrella policies are cheap because of the requirements for underlying insurance. Start with the fac...
by Katietsu
Mon Nov 04, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3824

Re: Wedding gift from brother

...After my sister in law got blacklisted for returns because of shower/wedding gifts, I learned my lesson about picking a gift that is not on the registry. This sounds interesting - who blacklisted her, the store or the relatives? A couple of stores including Walmart. By blacklisted, I mean that s...
by Katietsu
Mon Nov 04, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3824

Re: Wedding gift from brother

I agree to stick with cash or something from the registry over an idea from internet strangers. If you are going to go off on your own, it should be something very personally inspired. I have given a few personal gifts that worked out well but I did it based on something I knew about their lives. Fo...
by Katietsu
Sun Nov 03, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 353
Views: 37829

Re: Best CD rates thread

I stumbled on one hurdle in the process of the application. It's asking to upload my DL but each time I try to upload it, I keep getting the same pop-up message "The file you're trying to upload is not of the approved format" or something like that. I tried PDF, JPG, and DOC. None goes through. I a...
by Katietsu
Sun Nov 03, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Phone tech support
Replies: 6
Views: 374

Re: Phone tech support

If I buy an unlocked phone on amazon, where would I go to get the sim card moved from my old phone to the new? Also for other phone support like adding memory or general help in setting up. I don't want to do any of this stuff myself. I want to pay someone to do it. I don't know what type of store ...
by Katietsu
Sun Nov 03, 2019 5:08 am
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 3667

Re: No out of network coverage

Company is dropping out of network coverage for all but the most expensive low deductible medical plan option. I haven't used OON for years and don't plan to, but it is nice knowing it is there for emergencies or unusual situations. Most plans cover emergency situations out of network. Check your p...
by Katietsu
Sat Nov 02, 2019 8:35 am
Forum: Personal Investments
Topic: inheritance / gift questions
Replies: 13
Views: 1447

Re: inheritance / gift questions

You will receive a 1099-R for the RMD distributed. It will be ordinary income and be treated on your tax return just like a distribution from any IRA or pension. Not a big deal. If your tax rate is expected to be lower in a couple of years, that would be a good reason to just do RMDs. As mentioned b...
by Katietsu
Sat Nov 02, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: ACA - end of year move to another state, kids in college elsewhere
Replies: 11
Views: 942

Re: ACA - end of year move to another state, kids in college elsewhere

4) If managing your income to get subsidies, don't forget that any income you kids get from summer/part time jobs, investments, etc. gets added into your family income when computing eligibility for subsidies. This can be substantial when kids are doing internships/co-ops. I have not dealt with thi...
by Katietsu
Sat Nov 02, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 3667

Re: No out of network coverage

Yes, it is worth being considered concerned about. I have been concerned for 20 years when this first happened to me. Though, the level of concern should depend on what institutions are included in the network. For instance, for a while we had an Aetna signature network that included anywhere I woul...
by Katietsu
Fri Nov 01, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Maximum salary to contribute to a 401k?
Replies: 8
Views: 1309

Re: Maximum salary to contribute to a 401k?

Where ever you were reading from is a poor source if for no other reason than the are referencing 401k plans but then say "IRA contribution limits". Anyway, this limit has nothing to do with your household income. So, if you are thinking about it because your combined income with your wife would put...
by Katietsu
Thu Oct 31, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Budget tracking with CC "float"
Replies: 19
Views: 960

Re: Budget tracking with CC "float"

I don’t see why it makes a difference. As long as you pick one way to do it and are consistent, I think either way could be justified.
by Katietsu
Thu Oct 31, 2019 11:28 am
Forum: Personal Investments
Topic: What to do with bond ETFs
Replies: 11
Views: 1097

Re: What to do with bond ETFs

lately, I started reading about liquidity in bond ETFs. I started to realize that many of the bond ETFs I acquired were hard to trade. At this point I have all my bonds in ETF mainly BND for US bonds and ZPS for Canadian kept in a tax sheltered account It sounds like you are fine now with BND. I do...
by Katietsu
Thu Oct 31, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Automatic ACH Bank Transfers
Replies: 11
Views: 1078

Re: Automatic ACH Bank Transfers

Thanks. I just looked at my Ally account and figured out how this is done. The recurring debits will count toward the limit of six per statement cycle. Thanks for the heads up. I can see myself liking the automatic approach enough to set up a few of these things. Even though my current pattern of u...
by Katietsu
Wed Oct 30, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Automatic ACH Bank Transfers
Replies: 11
Views: 1078

Re: Automatic ACH Bank Transfers

Thanks. I just looked at my Ally account and figured out how this is done.
by Katietsu
Wed Oct 30, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Automatic ACH Bank Transfers
Replies: 11
Views: 1078

Automatic ACH Bank Transfers

Is it possible to set up recurring ACH transfers between banks? For instance, say I need to have $300 in my credit union savings account on the first of each month for a loan payment. I do not really want to move a bunch of money into this savings account in advance since it pays close to 0%. Do any...
by Katietsu
Wed Oct 30, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Can't connect to TSP.gov, please help
Replies: 14
Views: 609

Re: Can't connect to TSP.gov, please help

Can you connect from your smartphone while using your home WiFi?
by Katietsu
Wed Oct 30, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications when transferring real estate
Replies: 6
Views: 495

Re: Tax implications when transferring real estate

What kind of real estate is this? A house you live in? A rental property? Vacation home? What hassles are you trying to avoid? What is the basis vs current value? Will your kids want the property long term?