Search found 844 matches

by Katietsu
Wed Nov 22, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 44
Views: 2100

Re: Making collegebound Kid Financially Savvy Questions..

I think you have done a good job. Her life is changing a bit now with a car and a job and you can’t expect the transition to be perfect. Sounds like it is going well. 1. The Roth can be used to set an example even though the point of it might not sink in until a few years from now. Personally, I res...
by Katietsu
Tue Nov 21, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1438

Re: Car Accident- challenge getting funds for repairs by responsible party/insurer

Start with a the police in the jurisdiction where the accident occurred. It is possible that with all the information that you have, they will be able to assist you.
by Katietsu
Sun Nov 19, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Insurance claim - what is my obligation?
Replies: 11
Views: 1005

Re: Insurance claim - what is my obligation?

So we filed a claim and did receive a check for the cost of a replacement mattress minus the insurance deductible. The key point is that your reimbursement amount was based on the replacement cost. In my experience, you are only entitled to be reimbursed for replacement cost if you replace. Alterna...
by Katietsu
Sun Nov 19, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 19
Views: 1494

Re: HelloFresh meal boxes - disputing credit card charge

I do not know what the credit card company might decide. I do know that when you sign up for Hello Fresh it is pretty obvious, IMO, that you are signing up for a weekly delivery. I mean you have to pick a “plan”. It is not buried in the terms and conditions that you are subscribing. Their website is...
by Katietsu
Fri Nov 17, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2637

Re: Risks of Non-ACA Compliant Health Insurance?

Exactly. It is the 100k+ visit to the cancer specialist on your rare form. Sure you have to pay 20k (or whatever your out of network max is) but that is a lot less than 100k. Odds of needing that are low but if you do need it, you need it. But this is pretty much also why the PPO is dying. The insu...
by Katietsu
Fri Nov 17, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Understanding How to Handle Bonus
Replies: 51
Views: 3967

Re: Help with Understanding How to Handle Bonus

Just so you know, it won't be withheld at 25%. It will be withheld at 39.6% tax bracket. If you end up falling in the 25% bracket, you will get the difference back at tax time but don't be surprised at the large amount of withholding you see on your paycheck. This is not necessarily true. It depend...
by Katietsu
Thu Nov 16, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Opinions and Tax Efficiency
Replies: 11
Views: 1141

Re: Portfolio Opinions and Tax Efficiency

Put the bond allocation in the TSP not in the Roth. First, Roth should have the assets that are expected to have the most growth since you will never pay taxes on that growth. Second, you have the G fund in the TSP which is a wonderful option that makes the rest of us jealous.
by Katietsu
Mon Nov 13, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need to know about my mom's finances?
Replies: 17
Views: 1320

Re: What do I need to know about my mom's finances?

I would have two separate conversations. One conversation would be about her and one about the brother in law. Forget about the executor stuff for now IMO. Honestly, other than what type of funeral and whether there have been payment arrangements, when someone dies you usually have time to sort thin...
by Katietsu
Mon Nov 13, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Account Question
Replies: 4
Views: 568

Re: Joint Account Question

If the amount is small then it might just be more convenient to have a joint account. If the amount is larger, then it is cleaner to go ahead and set up payable on death designations for all the reasons previously outlined. If making this adjustment is difficult, I would be concerned about using the...
by Katietsu
Mon Nov 13, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: HSA mishandled by State Farm, IRS issue now
Replies: 6
Views: 1075

Re: HSA mishandled by State Farm, IRS issue now

You indicate that you went to a local office in person. You should go back to that office in person and try to resolve it from there. If you have already done that and do not feel that they have advocated for you, then get a new agent. Your agent should at least try to get this fixed using their sup...
by Katietsu
Mon Nov 13, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Long term capital gains tax - effective tax is higher than 15%
Replies: 15
Views: 1099

Re: Long term capital gains tax - effective tax is higher than 15%

Are you taking into account that your AGI includes your capital gain amount and it is this AGI that must be used to determine tax bracket and NIIT?
by Katietsu
Sun Nov 12, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1681

Re: Use or Lose $850 from Limited Expense FSA

Have your wife get a great pair of glasses. I could easily spend $850 if I knew that the other option was to lose it. Since I got my glasses inexpensively from Zenni, I got two very different pairs that I wear for different occasions or weather conditions. Would either of you have a use for prescrip...
by Katietsu
Sun Nov 12, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Tax question as I bogelize my holdings
Replies: 16
Views: 1333

Re: Help! Tax question as I bogelize my holdings

To address your original question as to what type of taxes you will owe on capital gains, I would consider speaking to a local tax professional if you are unsure. We might miss something here. Do you have dependents? Where any stocks inherited? Do you always take the standard deduction? To you make ...
by Katietsu
Thu Nov 09, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: Portable handholds for seniors
Replies: 8
Views: 544

Re: Portable handholds for seniors

My mother did use the suction cup grab bars successfully, even though it made me nervous. The primary care doctor may be able to put in for an occupational therapy home visit. It is possible that they may have suggestions and might even get insurance to cover the cost. They might even work with the ...
by Katietsu
Thu Nov 09, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's retirement money PLZ
Replies: 9
Views: 887

Re: Help with Mom's retirement money PLZ

Since this is at your initiative not theirs, I would tread lightly. One suggestion: Leave some amount in the local savings account, eg $30,000. Put $120,000 into something like an Ally 11 month no penalty CD getting 1.5% and with FDIC insurance. Transfer the investment account to Vanguard and have i...
by Katietsu
Thu Nov 09, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Cable switching thought exercise
Replies: 15
Views: 888

Re: Cable switching thought exercise

Yes. I don’t know that it would matter, but treated it as two unrelated people. Spouse 1 cancels service like they would do if they were moving out. Spouse 2 independently arranges for new service as they would do if they were the new homeowner. No need for Comcast to know that they are married. I d...
by Katietsu
Thu Nov 09, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Questions
Replies: 14
Views: 780

Re: Backdoor Roth Questions

It does not really matter much what choice you make with the $6000. Either option is reasonable. The bigger question should be choosing between the 401k vs Roth 401k.
by Katietsu
Thu Nov 09, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Caution: if you subscribe to BritBox or other channels through Amazon
Replies: 5
Views: 754

Re: Caution: if you subscribe to BritBox or other channels through Amazon

Yes, thanks. I cut the cable and use Amazon Fire for my primary source. One other thing I had to learn...when using the search feature, only programming availability from Amazon and a couple of apps are searched. For instance, if you search for Endeavour season 2. Amazon/Alexa will give you only the...
by Katietsu
Wed Nov 08, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5348

Re: Eye Doctor $30 to get your Rx? Is this normal?

She was up front about this and told them she was just there for the exam, but wouldn't be getting any glasses there. We do not know the exact words used. But when I hear this, I hear someone who is not there to get glasses and therefore it is someone who I do not need to explain the charge for a r...
by Katietsu
Wed Nov 08, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retroactive Medicare appeal
Replies: 3
Views: 346

Re: Retroactive Medicare appeal

Because Medicare related to a disability and Medicaid both can have these retroactive periods, I have seen several circumstances when you are allowed to keep the otherwise disallowed benefits for that time period between the retroactive coverage and the notification of coverage. In other words, the ...
by Katietsu
Wed Nov 08, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5348

Re: Eye Doctor $30 to get your Rx? Is this normal?

Could this cataract have gone from undetectable to blurring my vision within six months? Seems unlikely to me, especially since I just had a new Rx in the last year. I'm cancelling my VSP insurance and I'm going to get my eye exams and glasses at my HMO from now on. Cataracts can reach a stage wher...
by Katietsu
Wed Nov 08, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 83
Views: 26231

Re: If I Knew Then What I Know Now

Michael LeBouef's address to the students is filled with excellent advice. However, I am sorry he began by selling his advice as the opportunity to treat every day like Saturday beginning at age 50. My wife and I did save almost half of our income and we were financially independent by age 50, with...
by Katietsu
Wed Nov 08, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: anyone else have trouble logging in to SSA or IRS sites?
Replies: 7
Views: 568

Re: anyone else have trouble logging in to SSA or IRS sites?

No particular experience with those sites. But, could it be that someone with a similar username is impacting your login. I have locked out someone else from my insurance company site. I used the wrong username. So even though I was entering my password correctly, it was not the password for that us...
by Katietsu
Tue Nov 07, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Questions about durable power of attorney in PA
Replies: 3
Views: 412

Re: Questions about durable power of attorney in PA

In my experience, I do not think an attorney is necessary if the person feels comfortable with the documents and can follow the requirements. I might lean more towards an attorney if I thought there was going to be “problems” with my wishes being honored or had another special circumstance. However,...
by Katietsu
Tue Nov 07, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: messages to mobile hotspot?
Replies: 8
Views: 530

Re: messages to mobile hotspot?

I can not help with the message reference. I looked at the Consumer Cellular site and could not find it. FYI, many phones can work as a hot spot. You need both a phone that can serve as a hot spot and a cell phone plan that allows it. Just did not want you to pay extra for something you might alread...
by Katietsu
Tue Nov 07, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5348

Re: Eye Doctor $30 to get your Rx? Is this normal?

The appointment was for an eye exam to get glasses. No. If you actually said that, they likely should have told you that is not covered by your medical insurance or the charge for a refraction is XX. I suspect your spouse said she was having trouble with night vision and blurriness and needed an ex...
by Katietsu
Tue Nov 07, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5348

Re: Eye Doctor $30 to get your Rx? Is this normal?

She went to an opthalmologist for an eye exam because she was having vision complaints. They likely looked for things like cataract, dry eye, glaucoma, etc depending on her age and complaints. As others have said, this appointment, through medical insurance, was for a medical exam. It was not to get...
by Katietsu
Mon Nov 06, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: all bronze and silver plans have deductibles?
Replies: 15
Views: 1345

Re: all bronze and silver plans have deductibles?

I just double-checked. My In-network deductible is $0 and the Out-of-Pocket maximum is $1500. It is ridiculously good. The same plan next year 2018 is $2200 / $5850. Are you purchasing on or off the exchange? Are you getting premium subsidies? Is your household income below 250% of the federal pove...
by Katietsu
Mon Nov 06, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 39
Views: 3954

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

Grt2bOutdoors wrote:
Mon Nov 06, 2017 8:13 pm
I voted and they are still pestering me to vote! Nuts....
Maybe. I voted seven cards and thought I was done. I get another notice. Went online and there was one proxy number that I had apparently missed. That was over a month ago and I have not heard anything since.
by Katietsu
Mon Nov 06, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 39
Views: 3954

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

They know how many people have already voted. Therefore, they know they do not have enough votes yet. It has been 8 years since Vanguard held a wide shareholder vote. From a September story: The most difficult part will be getting a quorum of shares to pass the measures. The voting will include 195 ...
by Katietsu
Mon Nov 06, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need input: minor rear fender bender with a veteran
Replies: 14
Views: 1878

Re: Need input: minor rear fender bender with a veteran

-States have their own rules about what must be reported. I would be surprised if an incident that small would need to be reported. -It depends on the insurance company, in my experience, as to whether they hold an accident against the policyholder even if there is no payout. - If you report, you wo...
by Katietsu
Mon Nov 06, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2111

Re: Climate controlled cars - Useful or Useless?

Useful. Set it at 70. Rarely need to to touch it. Just turn off the Auto feature if you truly do not like it. Very quickly got used to memory seats, automatic head lights, climate control, adaptive cruise control etc. Am disappointed in the lane keeping assist. I was hoping to get a bit closer to a ...
by Katietsu
Mon Nov 06, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Better credit or larger downpayment?
Replies: 18
Views: 1614

Re: Better credit or larger downpayment?

I do not see any difference in the rate you will receive between the two plans. You will have a 20% down payment in either case. The car loan will actually increase your credit score because the addition of an installment loan will boost your score (credit mix effect) more than the hit from new cred...
by Katietsu
Sun Nov 05, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone here help me estimate taxes?
Replies: 13
Views: 1073

Re: Can someone here help me estimate taxes?

Ok. This is my suggestion. I assume you have several months before you need to make these decisions. First, ask Human Resources for a copy of the information they give to new hires who are choosing benefits. It should explain things like the FSA in easy to understand terms. Next, buy a book to get y...
by Katietsu
Sat Nov 04, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: How do I select a good employment law attorney?
Replies: 46
Views: 2183

Re: How do I select a good employment law attorney?

You need to tell us if you are exempt or non-exempt. I don't believe it is against the FMLA regs for your employer to send you emails during your absence. In fact, if you are also on disability they do have the right. All that FMLA does is protect your job for 12 weeks but that clock runs while you...
by Katietsu
Sat Nov 04, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Schedule C or not for next year
Replies: 10
Views: 437

Re: Schedule C or not for next year

Yes, there are types of 1099 income that can properly be reported on line 21. However, it is NOT proper to report Sch C self employment income on line 21.
by Katietsu
Sat Nov 04, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs Investment
Replies: 14
Views: 1006

Re: TIPs Investment

I have been looking at the DFA target retirement accounts. They seem to differ from everybody else’s. I think what you are trying to do is the approach that they take. Quite honestly, I am still trying to get a handle on it. In summary, they start introducing a long term TIP fund about 15 years befo...
by Katietsu
Thu Nov 02, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5523

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

I used to listen to his show occasionally. I think I heard him talk about this in 2016. At that time, he basically said all those same things. He also said that his retirement investments went into those loaded mutual funds that outperformed the market. His analysis was that if he held the fund for ...
by Katietsu
Thu Nov 02, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Parked Car Hit and Need Advice
Replies: 16
Views: 2114

Re: Parked Car Hit and Need Advice

My approach would be: 1) Get a quote from a body shop. Any body shop should be able to handle such a simple repair but I would still want a recommendation. 2) Wait 2 or 3 months if the scratch is in the plastic bumper cover. No rust to worry about so no hurry. 3) Decide if the cost of repair is wort...
by Katietsu
Thu Nov 02, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2268

Re: How secure are Wi-Fi cameras?

Can they get from the camera to the network and then into a laptop? That seems unlikely. It's not that unlikely. The security on many of these devices is terrible to non existent and can open up your internal network. The devices can also be used to join botnets. Much of this is automated, it would...
by Katietsu
Wed Nov 01, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Credit Card auto-pay updates?
Replies: 9
Views: 1040

Re: Credit Card auto-pay updates?

I think some have been doing it for awhile, some just recently and some still do not based on my credit cards.

One of my cards just sent notice last week that their policy going forward would be to update autopay merchants with the new card info unless I chose to opt out.
by Katietsu
Wed Nov 01, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Help, RMD's, I am completely confused
Replies: 6
Views: 794

Re: Help, RMD's, I am completely confused

If she turned 70 in October 2017 then she does not have a RMD for 2017. Your first RMD is associated with the year you turn 70.5 years old. So her first RMD would be for year 2018. Now you usually must take your RMD by Dec. 31 of each year. However, the first year you have a little extra time. So he...
by Katietsu
Tue Oct 31, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Report; best method
Replies: 17
Views: 759

Re: Credit Report; best method

Learning Head - Our two reports contain the same reported information when compared with each other. Yes but that is because you apparently only have joint accounts that you have opened. If Mr. Criminal opens an account in your name only, it will not show up on your spouse's report. If you want to ...
by Katietsu
Mon Oct 30, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6391

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

I just saw that you were going to have the check mailed otherwise. I have not mailed a check in about 10 years. I think you are fine.
by Katietsu
Mon Oct 30, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6391

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

Are you actually confirming a test deposit online? That would be worrisome. On the other hand, if the friend sent you a dollar and is just making sure you got it verbally, that would be normal. If I were entering new payment information, I might want to make sure I had typed everything correctly. I ...
by Katietsu
Mon Oct 30, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 45
Views: 3384

Re: Someone spoofing my phone number?

About 3 months ago I started getting junk calls from random numbers with the same first 6 digits. I will get half a dozen in a week then nothing for a few weeks. Rinse repeat. I do not see what you can do about it. In my case, I believe they are coming from out of the country. I guess too many peopl...
by Katietsu
Mon Oct 30, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1218

Re: Medical Billing question

You can always try to negotiate. However, if she has to pay, the other way to look at it is that there was something suspicious on the first image that required specialized follow up. If the imaging center had not scheduled the follow up, the old records were not received, the patient never returned...
by Katietsu
Mon Oct 30, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Joint account with Siblings
Replies: 44
Views: 1839

Re: Inheritance and Joint account with Siblings

I would suggest option 3. Have the grandparents set up a separate account that remains in their name for the time being. The only downside would be that the funds would be subject to Medicaid spend down rules should that be a concern. I currently have a situation similar to #2. It has worked for us....
by Katietsu
Mon Oct 30, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 7185

Re: Is it difficult to switch from an iPhone to an Android?

I didn't read all of the replies but does Apple still have the issue with holding your telephone number hostage for texting? I can't remember all of the details but you basically have to call them to remove your number from your iTunes account. I can simply switch iMessage off and on in my settings...