Search found 293 matches

by MtnBiker
Mon Nov 23, 2020 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Clear Spring Health Prescription Drug Plans (Medicare Part D)
Replies: 6
Views: 425

Re: Clear Spring Health Prescription Drug Plans (Medicare Part D)

I'd be curious to hear reports about Clear Spring also. The plan is new in my state so there are no ratings in Medicare's site. I'll try my pharmacy. You might also try calling the Health Insurance Assistance Program in your state. This is an independent Medicare benefits advisory service funded by...
by MtnBiker
Tue Nov 17, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare part D for drugs
Replies: 12
Views: 866

Re: Medicare part D for drugs

Walgreen has a drive thru which is great when there's a lot of ice and snow in the ground. Really afraid of falling. With Covid, we have either been using the mail order option for maintenance prescriptions or the local Walmart. Our Walmart doesn't have a drive-up window, but they do curbside picku...
by MtnBiker
Mon Nov 02, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: Auxiliary Battery Draw Down Question
Replies: 18
Views: 996

Re: Auxiliary Battery Draw Down Question

We prefer state parks mostly and and in our part of the country they often do not have power at the sites and we do like boondocking camping also, so yes there is a need for 24 hours or more of auxiliary battery life. Although since our Westfalia is our camper plus our vehicle all in one rarely is ...
by MtnBiker
Fri Oct 30, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Clear Spring Health Prescription Drug Plans (Medicare Part D)
Replies: 6
Views: 425

Clear Spring Health Prescription Drug Plans (Medicare Part D)

Does anyone have experience using this provider for their Medicare Part D prescription drugs during 2020? If so I would be interesting in hearing your experience and whether or not you would recommend it. Using the Medicare website for comparing costs, this plan is projected to be the lowest cost fo...
by MtnBiker
Fri Jul 31, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled Adult Child
Replies: 8
Views: 1166

Re: Disabled Adult Child

Have you tried the free social security calculator here? https://opensocialsecurity.com/ This can recommend optimum filing strategies in your situation. Might be interesting to compare with the other software package. Be sure to click the box at the top of the page to access advanced options which i...
by MtnBiker
Fri Jul 31, 2020 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled Adult Child
Replies: 8
Views: 1166

Re: Disabled Adult Child

My understanding is that the disabled adult child benefit allows a transition from SSI to SSDI when a parent files for SS retirement benefits. An advantage of the so-called DAC benefit (available only if the disability originated prior to age 22), is the ability of the disabled adult child to mainta...
by MtnBiker
Thu Jul 30, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Maximum recommended funding for Special Needs Trust
Replies: 12
Views: 2994

Re: Maximum recommended funding for Special Needs Trust

I know this post is old but reading similar topics I wonder why nobody mentions the following benefit: https://howtogeton.wordpress.com/how-to-get-adult-disabled-child-benefits/ or google if you want an official version for: "Disabled adult child benefits" (DAC) In short if an adults chil...
by MtnBiker
Mon Jul 06, 2020 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: [Government stimulus payments]

Here is another question about receiving the Stimulus check. Am I overreacting, should still wait another month? Now it is July 06 2020 and we have still no letter with a check in the mailbox or a deposit into our bank account to which Social Security pays. The IRS website shows : "... check w...
by MtnBiker
Tue Jun 09, 2020 5:15 pm
Forum: Personal Investments
Topic: percentage of portfolio in Roth?
Replies: 72
Views: 3650

Re: percentage of portfolio in Roth?

We had little in Roth during accumulation. Upon reaching semi-retirement, we gradually Roth converted until projected RMDs were at an acceptable level for our needs. My idea of a perfect level of RMDs is having an amount in the traditional IRA such that RMDs (less QCDs) are no larger than planned sp...
by MtnBiker
Fri May 22, 2020 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: [Government stimulus payments]

Posted today at https://blog.ssa.gov/update-on-economic-impact-payments-for-social-security-and-ssi-beneficiaries/#more-4855 : Update on Economic Impact Payments for Social Security and SSI Beneficiaries Posted on May 22, 2020 by Darlynda Bogle, Assistant Deputy Commissioner Beginning today, the Int...
by MtnBiker
Thu May 21, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: [Government stimulus payments]

I didn't read every page of this thread, but has anyone reported receiving stimulus cheques as U.S. expats? We were not expecting anything. Then my adult daughter received a full $1200 cheque in the mail. Much surprise and joy. A few days later, we received a cheque for our other daughter, who pass...
by MtnBiker
Thu May 21, 2020 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: [Government stimulus payments]

Received mine and DW's payments today on a MetaBank Visa debit card. Both payments on the same card. I suspected SCAM at first, but after checking it out it appears to be legitimate. What made it even more suspicious was Get My Payment says our checks will be mailed tomorrow, and I received the car...
by MtnBiker
Sun May 17, 2020 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - Special Needs Trusts
Replies: 51
Views: 5032

Re: SECURE Act - Special Needs Trusts

How does one meet the test? If a young adult qualified for SSI or adult child SS disability, and had special needs trusts, would that pretty much guarantee qualification for extended RMD? The best explanation I have seen is given in the Welber article referenced above. The applicable regulations de...
by MtnBiker
Sun May 17, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - Special Needs Trusts
Replies: 51
Views: 5032

Re: SECURE Act - Special Needs Trusts

Well known trust expert and author Natalie Choate has posted an outline which explains her understanding of the impact of the CARES and SECURE Acts on retirement planning and trusts. See: https://www.ataxplan.com/wp-content/uploads/2020/04/NewDev2020.pdf Regarding Special Needs trusts, it is her opi...
by MtnBiker
Sat May 16, 2020 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting an inherited IRA (non-spouse)
Replies: 8
Views: 936

Re: Inheriting an inherited IRA (non-spouse)

According to the Kitces article ( https://www.kitces.com/blog/secure-act-stretch-ira-401k-elimination-eligible-designated-beneficiary-retirement-accounts-minimize-taxes/ ), the new 10 year rule means that the inherited IRA must be drained by the end of the 10th year after the year of the death of th...
by MtnBiker
Thu May 14, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: [Government stimulus payments]

New information relevant to SSI recipients with a representative payee posted today at https://www.ssa.gov/coronavirus/#reppayee : How will the IRS send my economic impact payment (EIP) if I have a representative payee? Date: May 14, 2020 If you filed a 2019 or 2018 tax return: Your $1,200 EIP was o...
by MtnBiker
Mon May 11, 2020 8:07 pm
Forum: Personal Investments
Topic: Tax Loss Harvest in 12% bracket?
Replies: 25
Views: 1548

Re: Tax Loss Harvest in 12% bracket?

Also, my asset location choice has me with all my tax-deferred accounts being in fixed income assets. All equities are in taxable and Roth. So, the market downturn has not really created a cheaper Roth Conversion opportunity in my case. Something to think about - do you really want to keep zero equ...
by MtnBiker
Sat May 09, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.
Replies: 80
Views: 5611

Re: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.

So, I don't want to try and apologize for any facilities that might not be doing a good job with infection precautions, but I would urge folks to think carefully about how easy it would be for an infection (from a very contagious virus) to get into a care facility. Staff is in and out of the buildi...
by MtnBiker
Fri May 08, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: [Government stimulus payments]

Our adult disabled son receives SSDI by direct deposit and does not file federal taxes. The "Get My Payment" website has no information for him yet as to eligibility for a payment. Check back later if you are a non-filer SS recipient. My son is in the same situation. The current news is t...
by MtnBiker
Thu Apr 30, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: [Government stimulus payments]

Our adult disabled son receives SSDI by direct deposit and does not file federal taxes. The "Get My Payment" website has no information for him yet as to eligibility for a payment. Check back later if you are a non-filer SS recipient. My son is in the same situation. The current news is t...
by MtnBiker
Sun Apr 26, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25637

Re: IRS Get My Payment up and running

Many entries on the IRS FAQ page have been updated today 4/26. So if you are still having issues, please check there and see if there is any helpful information applicable to your situation. https://www.irs.gov/coronavirus/get-my-payment-frequently-asked-questions#paymentnot Son receiving SS by dire...
by MtnBiker
Sat Apr 25, 2020 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Survivor's benefit letters from Social Security
Replies: 8
Views: 852

Re: Survivor's benefit letters from Social Security

+1 The $499.20 seems to be the amount she collects on her own earnings record. The $1,189 would be the additional survivor's benefit she will now receive to bring her up to "his" benefit going forward. Previously she would have been receiving a total of 534 + 145 for Medicare = $679, which...
by MtnBiker
Sat Apr 25, 2020 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25637

Re: IRS Get My Payment up and running

bgf wrote: Sat Apr 25, 2020 8:54 pm OK thanks. That's exactly what I've been doing, so now I have no clue what to try differently tomorrow... ugh
Not sure if this helps, but it seems you should not use dashes when entering your social security number.
by MtnBiker
Sat Apr 25, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 5421

Re: Please Help Us Get Our Stimulus Payment

Finally today, I did not get the message: “Payment status not available”. Received a message to enter bank account info. Home free, I thought. WRONG! They wanted to know if I received a refund. Well, I overpaid and credited the overpayment toward next years taxes. I entered the amount I overpaid as...
by MtnBiker
Fri Apr 24, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25637

Re: IRS Get My Payment up and running

An elderly relative of mine gets Social Security every month for direct deposit. Has for years. Said relative didn't enter any info in the IRS website. This relative also ended up getting the full stimulus payment... via a check in the mail a few days ago. :confused I thought if you get Social Secu...
by MtnBiker
Fri Apr 24, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25637

Re: IRS Get My Payment up and running

If anyone here gets SS and doesn't file, I 'd like to know if they've gotten anything yet. My disabled adult son is in that situation. No, has not gotten anything yet. Still (today) says "Payment Status not available." As explained in the FAQ (not updated since 4/17), The Get My Payment a...
by MtnBiker
Fri Apr 24, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25637

Re: IRS Get My Payment up and running

Well just entered bank info but it said there were "technical difficulties". Apparently, one question was 1) did you get a refund or 2) did you make a payment -kicked me out. Why wasn't there an option "didn't get a refund or make a payment" ?? Didn't I read that if you collect ...
by MtnBiker
Thu Apr 23, 2020 11:23 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77927

Re: Bogleheads community discussion - Coronavirus

Another COVID projection model. I tend to like this one a lot more. #1. It is non-parametric, i.e., does not make any assumptions about the type of curve, #2. Does not make assumptions about R0. Rather, infers R0, #3. Models hidden variables such as true number infected, #4. Updates in real-time. h...
by MtnBiker
Wed Apr 22, 2020 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: Report when you receive your stimulus check here

If you owed money, check the IRS system: https://www.irs.gov/coronavirus/get-my-payment FYI We owed taxes for 2019. I thought even though we put our bank account information on the tax form for the IRS to remove the owed taxes from our bank account, they would be able to use the info to deposit the...
by MtnBiker
Tue Apr 21, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Proposed wiki page on Stretch IRA
Replies: 26
Views: 1700

Re: Proposed wiki page on Stretch IRA

Perhaps. Just know there are several gray areas. An update now would itself have to be updated again once the IRS Regs are issued. Another option is to update now what is known and mention the gray areas. Natalie Choate refers to some of those in the attach January review of Secure, although the em...
by MtnBiker
Tue Apr 21, 2020 2:44 pm
Forum: Personal Investments
Topic: Does Social Security Act as Disability Insurance?
Replies: 14
Views: 940

Re: Does Social Security Act as Disability Insurance?

What happens when someone on SSDI turns 62? When they reach full retirement age? Age 70? When a person on SSDI reaches their full retirement age (66, 67, or somewhere in between), the monthly payment automatically converts from a disability benefit to a retirement benefit. The amount of the payment...
by MtnBiker
Tue Apr 21, 2020 2:29 pm
Forum: Personal Investments
Topic: Does Social Security Act as Disability Insurance?
Replies: 14
Views: 940

Re: Does Social Security Act as Disability Insurance?

What happens when someone on SSDI turns 62? When they reach full retirement age? Age 70? When a person on SSDI reaches their full retirement age (66, 67, or somewhere in between), the monthly payment automatically converts from a disability benefit to a retirement benefit. The amount of the payment...
by MtnBiker
Tue Apr 21, 2020 2:19 pm
Forum: Personal Investments
Topic: Does Social Security Act as Disability Insurance?
Replies: 14
Views: 940

Re: Does Social Security Act as Disability Insurance?

What happens when someone on SSDI turns 62? When they reach full retirement age? Age 70? When a person on SSDI reaches their full retirement age (66, 67, or somewhere in between), the monthly payment automatically converts from a disability benefit to a retirement benefit. The amount of the payment...
by MtnBiker
Mon Apr 20, 2020 6:56 pm
Forum: Personal Investments
Topic: Does Social Security Act as Disability Insurance?
Replies: 14
Views: 940

Re: Does Social Security Act as Disability Insurance?

To better understand-my earnings for a long time were very low relative to this group and I haven't had my solid earnings for even 5 years so maybe your wife already had the 10 years of solid earnings necessary for decent social security so there's not much more to gain by additional high earnings ...
by MtnBiker
Mon Apr 20, 2020 5:02 pm
Forum: Personal Investments
Topic: Does Social Security Act as Disability Insurance?
Replies: 14
Views: 940

Re: Does Social Security Act as Disability Insurance?

I logged into the SSA website and did some playing around. If I earn nothing else ever again, I get a certain amount when I reach 65, let's call it X. If I keep earning how much I earn until I'm 65, I get 4X. Here's the kicker, if I get disabled, I can claim 4X right now for life, unless I misunder...
by MtnBiker
Sun Apr 19, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Space X satellites in the sky
Replies: 16
Views: 1641

Re: Space X satellites in the sky

One of the several websites that lists viewing opportunities is https://findstarlink.com/ . Last night I noticed that the Starlink train #5 of most recently launched satellites was scheduled to fly directly over my house at about an hour after sunset. I went out in the backyard and saw about 40 go o...
by MtnBiker
Sun Apr 19, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25637

Re: IRS Get My Payment up and running

I also owed money in 2019. Went to the Get my Payment site. It took my information after two tries. It says I was eligible for the payment and it would be deposited in my checking account. That was 5 days ago and nothing. Has anyone out there used the site and had their money deposited yet or is th...
by MtnBiker
Sat Apr 18, 2020 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 5421

Re: Please Help Us Get Our Stimulus Payment

Many of us can't even get to the point where we have an opportunity to input tax return info. My suggestion is to keep trying, once per day, until you get in. We are only at the beginning of the start of this process. For example, as far as I can tell the IRS may be quite far along in the process o...
by MtnBiker
Fri Apr 17, 2020 2:01 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77927

Re: Bogleheads community discussion - Coronavirus

No...I think to get to the next step (successfully) we need a few things: 1. Guarantee adequate protection for health care workers. It is frankly ridiculous for folkto get upset about their inability to go boating, fishing, and golfing while health care workers are sick and dying. In New York 25 ye...
by MtnBiker
Thu Apr 16, 2020 10:47 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77927

Re: Bogleheads community discussion - Coronavirus

Why do healthcare workers wear those throwaway N95 masks that only filter 95% of particles 0.3 micron and larger? Why don't hospital workers wear more effective masks like this North 7700 respirator which filters 99.97% of 0.3 micron and larger particles? They are reusable and can be washed. A Tiny...
by MtnBiker
Wed Apr 15, 2020 11:48 pm
Forum: Investing - Theory, News & General
Topic: What in the world is propping up this market?
Replies: 206
Views: 20999

Re: What in the world is propping up this market?

Kevin's dad :P describes how lucky us indexers are that there are stock pickers and speculators Who is Kevin and who is his dad? Kevin is the second grader and his dad is the author who describes how Kevin beats Wall Street :wink: I don’t know his name but he mentions Kevin 649 times so... So we're...
by MtnBiker
Wed Apr 15, 2020 5:46 pm
Forum: Investing - Theory, News & General
Topic: What in the world is propping up this market?
Replies: 206
Views: 20999

Re: What in the world is propping up this market?

In terms of the original question, I'm still expecting a W shaped market recovery, but who knows? Not to pick on you, but generally about the thread: Why does the shape of the curve, whether V, U, or W, matter? Surely it's the time to previous high, not the shape, that matters, right? Shape might m...
by MtnBiker
Wed Apr 15, 2020 5:19 pm
Forum: Investing - Theory, News & General
Topic: What in the world is propping up this market?
Replies: 206
Views: 20999

Re: What in the world is propping up this market?

Why are you comparing numbers from a time frame of 8+ months with a time frame of 2 months? Because that's all we have. I just threw out some facts as they are reported. As you suggest, we're missing a whole lot of information, so there likely aren't enough true facts available to understand much o...
by MtnBiker
Wed Apr 15, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25637

Re: IRS Get My Payment up and running

Does your mother file tax returns? My mother also receives SS via direct deposit but hasn’t needed to file a return in years. Wondering if hers will get automatically deposited or if I need to visit the website and enter the info IRS says: In certain cases, the Get My Payment app will be unable to ...
by MtnBiker
Wed Apr 15, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: [Government stimulus payments]

Out of curiosity, has any one on Social Security received their payment? I had read that SS recipients were to get theirs next week. I would like to know this as well, but directed more specifically to anyone who is on social security, but who did not have their tax refund directly deposited. If th...
by MtnBiker
Wed Apr 15, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25637

Re: IRS Get My Payment up and running

willardx wrote: Wed Apr 15, 2020 3:39 pm
I am getting this too. I tried putting dashes in my SSN but that didn't help either. Are people only inputting numbers without dashes? For DOB, they want the slashes, don't they want dashes too? :?
I had success using no dashes in the SSN.
by MtnBiker
Wed Apr 15, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: [Government stimulus payments]

Our adult disabled son receives SSDI by direct deposit and does not file federal taxes. The "Get My Payment" website has no information for him yet as to eligibility for a payment. Check back later if you are a non-filer SS recipient.
by MtnBiker
Wed Apr 15, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29807

Re: Report when you receive your stimulus check here

I checked the IRS portal for the status of my payment. It said they needed my banking info. It's funny they say they need my banking info, because they had no problem direct debiting my federal tax payment today! :oops: My situation exactly. They were able to grab the money out of my account this m...
by MtnBiker
Thu Apr 09, 2020 10:02 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77927

Re: Bogleheads community discussion - Coronavirus

Just curious: why do you think a logistic is a good fit? What if the middle (line part) keeps going at that pace for a while? A logistic for the cumulative implies that the differentiated function is a gaussian. Who is to say it is? The effectiveness of using a logistic fit to the data for total ca...