Search found 447 matches

by PatrickA5
Mon Nov 18, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Gift Card Already Used?
Replies: 23
Views: 1690

Re: Gift Card Already Used?

I've had this happen a couple of times. The first time was when I bought a card from a Gift Card Reseller Discount site. They warn you to use the card within a certain number of days. I didn't. Lost about $50. Of course with the Discount Reseller sites you KNOW someone else has the code and PIN, so ...
by PatrickA5
Mon Nov 18, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 52
Views: 5351

Re: Disney plus streaming deal

Additionally you can get content streamed in 4K and eventually 8k when that is a thing. Meanwhile hoarding DVDs keeps you with 480p. Lol, if I wanted to see something in higher resolution, I'd start by getting a pair of glasses instead of seeing everything fuzzy. I can't tell a DVD from a blu-ray. ...
by PatrickA5
Sun Nov 10, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11198

Re: Saving seats on Southwest

I buy Earlybird for the whole family. That way I know we'll be sitting together. I've seen some idiots saving seats, but haven't seen anybody get bent out of shape about it.
by PatrickA5
Thu Nov 07, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 122
Views: 9407

Re: Turbotax 2019 on Amazon

I ordered Amazon's TurboTax Deluxe + State for $49.99. I decided not to wait and see if Fidelity gives it to me free. Amazon was $20 less than ordering the same product from Intuit - which I've always done in the past. I'll have to remember that going forward.
by PatrickA5
Wed Nov 06, 2019 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Free Turbotax 2019
Replies: 19
Views: 2933

Re: Fidelity Free Turbotax 2019

New to Fidelity. Will this come with a free state download, or is this freebie just Federal?
by PatrickA5
Fri Nov 01, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8217

Re: Wallets [Do you carry a wallet?]

About 10 years ago, my son (then 12) made me a wallet out of duck tape. Still going strong. Occasionally I have to add another piece of tape. It's really small and fits in my front pocket nicely. Plan on using it until I'm gone.
by PatrickA5
Wed Oct 30, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back Bonuses - Race to $10k
Replies: 28
Views: 5184

Re: Cash Back Bonuses - Race to $10k

I'm not willing to do a lot of work involving moving money around. I may transfer $15K to Chase for a $600 bonus and keep it there for 6-12 months considering interest rates are so low. I recently signed up for the AMEX Blue CAsh Preferred card. It was an easy $250 cash back after spending $1,000. ...
by PatrickA5
Mon Oct 28, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8830

Re: How much do you plan to spend on your children's weddings?

Gave our daughter $15K for a wedding 5 years ago. Told her she could keep what she didn't spend. Had a real nice wedding for around $8k. Catered, DJ, Venue, flowers, open bar with beer/wine, photographer. MCOL area. She's pretty frugal. Still have a son that will probably be getting married in a yea...
by PatrickA5
Tue Oct 08, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Finance or Accounting Degree?
Replies: 81
Views: 5712

Re: Finance or Accounting Degree?

Math has always come very easily for DS and he has no interest whatsoever in anything STEM. Anyone have any input on which degree (Finance or Accounting) would offer better future opportunities? I have both. ~5 additional classes. Get to stay in college longer. :sharebeer I'm having my DS consider ...
by PatrickA5
Mon Oct 07, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: DW and I "need" new advanced medical directives, etc.
Replies: 11
Views: 848

Re: DW and I "need" new advanced medical directives, etc.

On this issue, can a hospital facility associated with a religious entity refuse to honor a legit advanced medical directive/living wills document provided to them? Broken Man 1999 When my dad had a stroke at age 97 and couldn't swallow, we knew it was time. He had a directive that said no artifici...
by PatrickA5
Sun Oct 06, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 67
Views: 19526

Re: Hospital wants me to prepay for procedure. Normal?

Hospital wanted prepayment for my Stress Test. The cost was around $1,700. I had a $1,000 deductible and 20% co-insurance, so the Hospital wanted around $1,300 upfront. Well, my insurance company has a "discount" arrangement where I should only have been charged around $200 total. Took a month to ge...
by PatrickA5
Sun Oct 06, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6233

Re: Social Security Card as Identification for Real ID

My state still hasn't figured out how to do the Real ID thing. They got another extension until Oct of next year which I think is the end of the extensions being granted. The state says they'll be compliant by next Summer, but they've been saying that since 2010. For some reason, my state actually h...
by PatrickA5
Sat Oct 05, 2019 10:13 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15968

Re: How many are switching from Fidelity?

Only the heavy traders will care about no commissions. All of our money is in MF's. It would be interesting to know what percentage of FIDO customers make significant trades? Those people might leave. Seems like back in my day trading days (early 2000's), I was paying $12 per trade. My commission co...
by PatrickA5
Fri Sep 06, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning - what instructions to leave for wife to handle finances
Replies: 19
Views: 2314

Re: Estate Planning - what instructions to leave for wife to handle finances

Investments are harder to handle for a survivor (who wasn't interested previously) when they are "complex". They normally get "complex" when the household investment manager uses a mix of stocks/bonds/mutual funds/ETFs to achieve a desired result. A solution may be to make them less complex. I have...
by PatrickA5
Wed Aug 28, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 52
Views: 2985

Re: Tax Aid Volunteering for AARP or VITA

So far, I haven't heard anybody say that this isn't rewarding volunteer work. I always considered my retirement job at Block to be volunteer work since I didn't need the money and they pay you thinking you don't need the money. I'll have to look into seeing which of these are available in my area. T...
by PatrickA5
Tue Aug 27, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 52
Views: 2985

Re: Tax Aid Volunteering for AARP or VITA

I will add one remark. I have been a site coordinator and done a lot of the training in a couple of districts. I have also worked in at least a dozen sites as a preparer over the years. People who come into the program who have practiced as a paid preparer - either for a service or as a CPA sometim...
by PatrickA5
Tue Aug 27, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 52
Views: 2985

Re: Tax Aid Volunteering for AARP or VITA

I'm a retired CPA and did a 8 year stint at H&R Block before calling it quits a couple of years ago. I've also thought of doing volunteer tax work and might enjoy this. At Block, my favorite part was helping my long-time clients each year. I really enjoyed talking with them. The part I didn't like w...
by PatrickA5
Wed Aug 21, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 11878

Re: Do Bogleheads plan to utilize Independent Living facilities?

My 97 year old father lived by himself at home. He needed some sort of assisted living years before his death, but he wouldn't have it. He always said he wouldn't be caught dead in a nursing home. It was almost true - he lasted 2 days in a nursing home after his last fall at home. I think he was pre...
by PatrickA5
Thu Aug 15, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13625

Re: Vanguard discontinuing dedicated account rep.s for Flagship clients

I got the same letter. I assumed it was because I have all of $5 left in Vanguard after moving everything over to Fidelity. Guess not. I liked my Flagship girl well enough, but she was only a year out of college, so it's not like I had an experienced person anyway. Every time she called (not often) ...
by PatrickA5
Fri Aug 09, 2019 11:16 am
Forum: Personal Investments
Topic: Vanguard customer service
Replies: 44
Views: 2412

Re: Vanguard Customer Service Recently

We were Flagship at VG for years but recently moved everything over to Fidelity. Our main reason was VG got rid of their CMA account, so I set one up at Fidelity and really like it. The second reason is Fidelity has an office in town. We've had reason to go to the office several times and really lik...
by PatrickA5
Thu Jul 25, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 95
Views: 8360

Re: MBA worth it?

I remember years ago that the CFO of my company (Fortune 100) only wanted advanced degrees from the Top 10 … or Wichita State. Guess where he went to school? So, if you're looking to advance at your current employer - find out where the people that make the advancement decisions went to school. Only...
by PatrickA5
Wed Jul 24, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer service declining?
Replies: 17
Views: 2179

Re: Fidelity customer service declining?

I've only been a Fidelity customer for a few months, but have made numerous calls/chats as we moved everything over. The service has been excellent so far, but I've have noticed one thing - when I call (or chat) on weekends it appears that the level of knowledge goes down considerably. Could be noth...
by PatrickA5
Wed Jul 24, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Getting money from a 529
Replies: 45
Views: 3382

Re: Getting money from a 529

They ASKED for support and said specifically wanting something substantiating the expenses. I sent my spreadsheet with copies of the receipts. Took me 15 minutes doing the copies. While my spreadsheet might have been enough, it certainly wasn't "proof" of anything.
by PatrickA5
Wed Jul 24, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Getting money from a 529
Replies: 45
Views: 3382

Re: Getting money from a 529

I got a CP2000 years ago. They were basically saying the entire 529 (earnings) reimbursement was taxable. I sent them a mountain of paperwork. They probably looked at it and decided it wasn't worth the effort. Within a month, I got the "all clear" from the IRS. Keep all of those receipts! Also, if y...
by PatrickA5
Wed Jul 24, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Getting money from a 529
Replies: 45
Views: 3382

Re: Getting money from a 529

This is a great thread on best practices for 529s How do you handle off campus living? Rent is easy to handle. What about food expenses? Also, if you are taking using AOTC and 529, how do you keep it clear that money paid is from 529 and not? I just keep a spreadsheet with all of the expenses. I ma...
by PatrickA5
Mon Jul 22, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Any downside to using 'trusted contact' feature for financial accounts?
Replies: 17
Views: 1695

Re: Any downside to using 'trusted contact' feature for financial accounts?

We put our daughter as trusted contact on all of our accounts at Fidelity. Had the same thing set up at VG before we moved everything over. I don't see any downside. Whether or not Fidelity/VG would actually ever contact her in an appropriate situation is my question. I assume their reps get trainin...
by PatrickA5
Sun Jul 07, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 27
Views: 4443

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

For those of us who are having their Vanguard Advantage Brokerage accounts de-activated on July 31st, wanted to share the interesting response I received today from our Flagship representative when I asked how the replacement (new) checking capability is to be established. I went back through all t...
by PatrickA5
Wed Jul 03, 2019 8:04 pm
Forum: Personal Investments
Topic: Transferring IRA's from VG to Fidelity
Replies: 10
Views: 853

Re: Transferring IRA's from VG to Fidelity

Thanks Alan!
by PatrickA5
Wed Jul 03, 2019 3:22 pm
Forum: Personal Investments
Topic: Transferring IRA's from VG to Fidelity
Replies: 10
Views: 853

Re: Transferring IRA's from VG to Fidelity

That was quick! Filled out the online form on Monday late in the day and it's in my Fidelity account mid-day on Wednesday. Three more accounts to go.

Does anybody know if there will be a 1099 generated on this type of direct transfer?
by PatrickA5
Wed Jul 03, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: When would you change home and auto?
Replies: 4
Views: 742

Re: When would you change home and auto?

I probably wouldn't do it for $200, but that's just me. I've been with State Farm for 40 years. Have shopped a couple of times, but not recently. Once my DS is off the payroll and he is taking care of his own insurance in a year or two, I plan on doing a major shopping expedition. But, it would prob...
by PatrickA5
Mon Jul 01, 2019 4:35 pm
Forum: Personal Investments
Topic: Transferring IRA's from VG to Fidelity
Replies: 10
Views: 853

Re: Transferring IRA's from VG to Fidelity

I filled out the online form and attached a PDF of my VG Roth statement. Took about 10 minutes. Hit submit. After about 30 minutes the status updated to having been reviewed by Fidelity and has been sent to Vanguard. The estimated completing date is July 9th, so about a week considering the holiday....
by PatrickA5
Mon Jul 01, 2019 2:30 pm
Forum: Personal Investments
Topic: Transferring IRA's from VG to Fidelity
Replies: 10
Views: 853

Re: Transferring IRA's from VG to Fidelity

I'm not sure, but I don't think that there is a fee for selling the shares. Supposedly, I qualify for 500 free trades by doing the transfer. But, I'm not sure if buying Vanguard mutual funds is the same thing as making a trade. I'll need to ask the retirement specialist that was assigned to me. I'v...
by PatrickA5
Mon Jul 01, 2019 2:20 pm
Forum: Personal Investments
Topic: Transferring IRA's from VG to Fidelity
Replies: 10
Views: 853

Re: Transferring IRA's from VG to Fidelity

I'm not sure, but I don't think that there is a fee for selling the shares. Supposedly, I qualify for 500 free trades by doing the transfer. But, I'm not sure if buying Vanguard mutual funds is the same thing as making a trade. I'll need to ask the retirement specialist that was assigned to me. I've...
by PatrickA5
Mon Jul 01, 2019 2:15 pm
Forum: Personal Investments
Topic: Schwab CFP meeting and feedback
Replies: 30
Views: 3250

Re: Schwab CFP meeting and feedback

Sounds like he made some decent suggestions. Did he try to sell you on any of their in-house funds?

It will be interesting to see if your Fidelity appointment has the same results. Please keep us informed.
by PatrickA5
Mon Jul 01, 2019 2:11 pm
Forum: Personal Investments
Topic: Transferring IRA's from VG to Fidelity
Replies: 10
Views: 853

Transferring IRA's from VG to Fidelity

After losing the CMA at Vanguard, we decided to open one up at Fidelity. So, we met in person with a consultant and set up the CMA and have done almost all of our banking through that account for the last few months. I've had a number of phone calls with Fidelity CS and have to admit the service was...
by PatrickA5
Fri Jun 14, 2019 9:34 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6962

Re: Do Fidelity Offices/Advisors Add Value?

I think the reason that Fidelity has many offices around the country is the "Edward Jones effect." Lots of folks would rather do business face to face rather than over the phone. Some folks are more likely to do business with a company that has a local office. Edward Jones is seemingly everywhere, ...
by PatrickA5
Thu Jun 13, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 6136

Re: Is it Wise to Remove Escrow if Bank Allows it?

I would say the average Boglehead would be better off without escrow. But, it depends on the person. My daughter is in the process of buying a home for the first time. I think she will be much better off paying into escrow monthly rather than trying to come up with the money once a year. I like maki...
by PatrickA5
Thu Jun 13, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6962

Re: Do Fidelity Offices/Advisors Add Value?

Update: My advisor called this morning and apologized. He said the person that is in charge of reading the emails wasn't forwarding them to him. I'm not sure what happened on the voicemail I left. He said the problem has been addressed. We had a nice chat after that. So, I guess we'll see how things...
by PatrickA5
Wed Jun 12, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6962

Re: Do Fidelity Offices/Advisors Add Value?

retiredjg wrote:
Wed Jun 12, 2019 10:48 am
Or hire another person at that office. :happy
According to the guy I talked to, it's the same for all advisors. I asked specifically if there was someone with a lesser workload and he said no.
by PatrickA5
Wed Jun 12, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6962

Re: Do Fidelity Offices/Advisors Add Value?

I am surprised that the Fido advisor does not have an assistant who makes virtually all the phone calls to clients and potential clients. Maybe they need to open more offices in your area. Probably. It's the only office in the state and according to the advisor is the busiest in the region. The guy...
by PatrickA5
Wed Jun 12, 2019 10:29 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6962

Re: Do Fidelity Offices/Advisors Add Value?

I finally got through to the branch office. Apparently, not returning emails and phone calls is normal at my office. The guy on the phone said my consultant (and the rest of them) have a full slate of in-office clients every day and it's not unusual that they don't have time to return emails and cal...
by PatrickA5
Tue Jun 11, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6962

Re: Do Fidelity Offices/Advisors Add Value?

Well, several emails and phone calls later, I can't even get a response. Ugh. I think that is surprising. You should be getting responses. I suspect he may have move to another employer. He may have not be allowed to tell you before he left and probably not allowed to contact you after he left. Tha...
by PatrickA5
Tue Jun 11, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6962

Re: Do Fidelity Offices/Advisors Add Value?

FelixTheCat wrote:
Tue Jun 11, 2019 1:29 pm
Have you researched Vanguard Personal Advisor Services?
Yes. I have also written instructions for DW to look into PAS if she thinks she needs help.

But, I was trying out Fidelity for an "in person" type of arrangement, which she would be more comfortable with.
by PatrickA5
Tue Jun 11, 2019 1:13 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6962

Re: Do Fidelity Offices/Advisors Add Value?

Just an update: A few weeks ago we met with a very nice Fidelity consultant to set up a CMA. The initial visit couldn't have gone better. As I've mentioned before, I'm thinking having some place that my DW (and kids) could go to in person might be better when I'm gone. We even discussed with the adv...
by PatrickA5
Thu Jun 06, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 3227

Re: Buying Burial Plot in advance

My parents prepaid for both plots and funerals. Both were used as expected and everything worked out great - even after 25 years had passed since it was purchased. My in-laws bought plots early and it was used by MIL (FIL is still alive). DW and I bought our plots in the same cemetery. We're in our ...
by PatrickA5
Wed Jun 05, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 5286

Re: Company requiring salaried employees to clock in?

When I worked at Big Blue, they came up with some time tracking software that we had to use. Supposedly, it was for the purpose of being able to track time spent on different projects. But, we had to clock in, clock out for lunch, etc. The big wig in charge wanted us to clock out when we went to the...
by PatrickA5
Thu May 30, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: My low cost Financial Plan experience
Replies: 3
Views: 1075

Re: My low cost Financial Plan experience

Thanks for the review of Planvision. I'm slowly trying to figure out a way to have a detailed income/expense plan going through retirement. I could probably come up with something in Excel, but so far haven't found the time/desire to actually follow through on it. I keep looking for something that I...
by PatrickA5
Thu May 30, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Naming beneficiaries for non-retirement accounts
Replies: 15
Views: 1384

Re: Naming beneficiaries for non-retirement accounts

We have TOD/POD on everything, including houses. At some point, we might add our Executor (daughter) as a joint owner on a small checking account in order to pay any leftover expenses (utilities, doctor bills, etc). But, for the most part, our expenses that will need to be paid out immediately after...
by PatrickA5
Tue May 28, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 14477

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

And if you want an asset allocation that remains constant, the Vanguard Life Strategy.series of funds offer a nicely-diversified portfolio in a single low-cost fund that rebalancs automatically. Does anybody know if Fidelity has the equivalent of VG's Lifestrategy funds? Or, can VG's Lifestrategy f...