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cricket49

I completed a form with Fidelity to remove the excess contribution amount which was less than 2.00.

Thanks for the help!

cricket49

Filed my tax return in early March by mail. The 25.00 check I enclosed with the tax return was cashed within a few weeks. When I checked the IRS website there was nothing stating the 2019 return was in process or completed. Pulled up my social security statement and the 2019 income has not been reco...

cricket49

We have an HSA eligible health insurance plan through the ACA for 2020. We had the family plan until May 1 when I dropped off due to Medicare eligibility. We are both over the age of 60 which allows an additional 1,000 per person catch up in the HSA. Currently from May - December my husband has sing...

cricket49

Wow, that was quick.

ACA accepted my excel spreadsheet with 2020 projected income.

What a relief. Last time it took weeks to get a verification from ACA.

cricket49

When we enrolled in the ACA three years ago we received a similar letter requiring documents to prove our income for the year. Also, the deadline was January 31 of the next year. This seemed ridiculous to me since most financial institutions have until January 31 to mail out these documents. I calle...

cricket49

We used a forestry mulching company that cuts the trees and brush then feeds it into a mulching machine. It is then dispersed on the land as mulch. We went that route because the land was full of trees and in between mountains where burning the downed trees was not an option. The trees were cut so c...

cricket49

jebmke wrote: ↑Fri Oct 02, 2020 10:49 am I also need wide toe box. So far, Ecco has worked well for me. Any other brands I should look at?

I also need a wide toe box and buy Altra running and trail running.

cricket49

Was a Sacony running shoe fan forever until I found Altra. Now I only buy Altra for road running, trail running and hiking. Altra Torin for road running, Lone Peak for trail running and Lone Peak high top for hiking. I will never buy another brand after discovering Altra. Also converted my DH to Alt...

cricket49

We got our covid19 test at our local health department for free. They provide tests over and over with or without symptoms.

cricket49

Just opened a few No Penalty CD's @ .75

These rates keep dropping.

cricket49

This happened to me when I was traveling and fell while hiking. Called the minor medical clinic and they stated my BCBS was accepted in network. I asked the receptionist again when providing my card if the facility was in network. She assured me it was. Two months later I received an EOB from BCBS w...

cricket49

Age 65 and 60
Retired for 3 years

64% US Equities
11% Bonds
25% Cash

cricket49

Moved from west Tennessee to east Tennessee 2 years ago when we retired. We live about 30 minutes to Gatlinburg and 1 hour to Knoxville. Pros - Beautiful mountains and surrounding countryside. Peaceful. Great weather with beautiful fall colors. LCOL Homes are reasonably priced. Low property tax A fe...

cricket49

following with interest - really liked TN the few times were were there as a potential retirement spot. One thing that bothered me a bit - seems like a much higher than average rate of smokers in the population? No offense to those who choose to smoke, but having some medical issues with asthma - I...

cricket49

Make sure you talk to a few people who have one or plumbers before you install an electric tankless. We had a gas tankless in our last house and loved it. The only issue we had was it took a long time to get hot water to certain faucets. Wasted a lot of cold water. It depends on how your house was p...

cricket49

Agree with other comments. Many things can and will happen over the years. We bought 10 acres when I was 34 to build a house for retirement in the future. Who knew a business opportunity would come up and we would move to another city. We sold the land. Eight years ago we bought 9 acres in the area ...

cricket49

We do not wear masks while cycling or hiking. We usually hit trails during the week when there are fewer people out. We never hike on popular trails where you might encounter many people.

cricket49

You still have 2 more years of paying taxes in Tennessee on dividends. (although a very low tax for 2020 and 2021). 2020 is the last year to pay State Income tax in Tennessee on dividends. As of January 1, 2021 Tennessee is a tax free state. It is a great place to retire if you find the right area....

cricket49

That is good news.

Now I can do a ROTH conversion this year to increase my AGI. Trying to keep my income in the required range to receive ACA subsidies.

Thanks!

cricket49

What surprised me the most? Deep sleep with no stress. Waking up in the morning, every morning feeling great. You have no idea the stress you endure while working until it is gone. The second thing was all the years of planning and frugal living paid off. Retired three years and no worries about mon...

cricket49

I am trying to understand the federal tax rules when selling land. These properties are long term investments. Sold two lots with a capital gain of 20,000 on one and a loss of 30,000 on the other. So does the 30,000 loss offset the gains where the tax is 0? If so, would I be able to use the 10,000 l...

cricket49

When you pay cash for cars or a house your credit score will start dropping below 800. This happened to us when we retired. We also pay our credit card bills in full. Chase sent me a letter cutting our limit in half. I just sent a message to Chase requesting they reinstate our credit limit to the pr...

cricket49

We bought the last 2 Trek Mountain Bikes at the bike store the first week of May. Then we found out most nearby state parks and bike trails were closed. We were finally able to bike 6-7 times in the past month.

Exercising outside again after being inside for 3 months was exhilarating!

cricket49

Lost 23% from my high of 3 weeks ago. I guess it was 3 weeks. Seems like last week was a month long.
The days are dragging due to the change in coronavirus news and numbers from one day to the next.

cricket49

Staying the course here. If you lived through the last recession it is easier to stay calm and stay the course. The fear and unknown in 2009 was real for so many of us. I only had 190,00 in my portfolio at that time but lost about 40% and had no idea what to do. So I did nothing. Best decision I eve...

cricket49

Thanks everyone for your replies.

cricket49

We are in the process of placing our land on the market with a real estate agent. My understanding is the real estate fees can be subtracted from the cost basis of the land to reduce the capital gains we owe. We paid a forestry mulching company to clear the land due to the dense underbrush and tree...

cricket49

If you want to pay less tax, you want to reduce the taxable gain by increasing the basis, not subtracting from it. Certain improvements can increase the basis, but not if they are just "maintenance". (Your challenge is to tell the difference ...) You are correct on the basis calculation. ...

cricket49

We are in the process of placing our land on the market with a real estate agent. My understanding is the real estate fees can be subtracted from the cost basis of the land to reduce the capital gains we owe. We paid a forestry mulching company to clear the land due to the dense underbrush and trees...

cricket49

Our house was immaculately clean and we painted a few years earlier so no nail holes. Picture perfect for the new owners. The house we moved into was also immaculately clean. However, they used flat paint on all the walls and plastered and retouched the areas. It looked awful. We had to repaint ever...

cricket49

I have the Performance Tab on my Fidelity screen but my friend did not have the option. My accounts have been with Fidelity for over 30 years and that option was available from the beginning. When my friend who had money at Fidelity questioned why she did not have the Performance function on the sc...

cricket49

In my Fidelity account, under the "More" menu tab, there's a "Performance" link. Among other things, there's a chart with YTD, 1, 3, 5, 10 year performance for each account (brokerage, IRA, Roth), and aggregate. I don't have that. I see: https://i.imgur.com/7PG42yG.png But if I ...

cricket49

OP Since you went to HR I assume your health insurance is through your employer. The company is self insured so bypass the benefits person and contact an executive in the HR department. They can override the insurance company's denial. I have coverage under the ACA with NO out of network coverage. I...

cricket49

I am using freetaxusa at the recommendation of Bogleheads. So far I like it a lot. I did a test run of freetaxusa and turbotax and both software calculated the exact same refund amount. However, on freetaxusa it stated I did not need to file a state income tax which is incorrect for the state of Te...

cricket49

I have a Garmin Forerunner 310XT that has lasted me through many years and miles of running, hiking and cycling. I bought it in 2011 and it has been going strong until last year when I fell trail running and broke the strap. I installed another strap but the attachment wire was weak and a watchmaker...

cricket49

Our bank was bought out by a larger bank and the same situation happened to us. They wanted each of us to enroll to have access to our account and bill pay function. We closed this account yesterday but currently pay all our bills through Schwab. Is this a banking law or a vendor requirement? If so,...

cricket49

In most employer and individual health insurance plans there is a subrogation clause that requires any money received in a legal settlement must be paid back to the health insurance company. In these cases the health insurance company will pay all bills upfront and then request the money after the l...

cricket49

I ordered my 2018 Quicken Premier 2 year from Amazon with an extended 3 months included. So 27 months before I will update again or discontinue Quicken altogether. When it works correctly Quicken is a great financial program. Currently we have money in 3 brokerage firms, HSA accounts and a few bank ...

cricket49

Yes, I told a couple of friends who share the same financial lifestyle and beliefs we do. When you grow up poor and never imagine a house is attainable you appreciate everything you earn in life. For us, paying off the mortgage and early retirement is an accomplishment we never saw coming. Nothing i...

cricket49

Mine = 55,500

Spouse = 52,600

We've had HDHP for over 10 years and always contributed the max each year. Always allowed money to accumulate and paid all medical expenses out of pocket. We are planning to us the HSA for Medicare premiums when we are eligible.

cricket49

I have been banking with a local bank for 20 years that basically charges no fees for savings or a money market checking account if you keep a balance of 1,000.00 Another bank recently bought my local bank and I was in the process of enrolling in their online banking. I was surprised to see they cha...

cricket49

We are actually planning to do this since the entire state where we live has one insurance carrier BCBS under the ACA and only 3 options. There are states that currently have 2-3 insurers and the premiums are much lower than what we pay today. Also BCBS has a history of high rate increases where we ...

cricket49

On Fidelity's website customer service questions.

What versions of Quicken and Quickbooks support the account download service?

https://www.fidelity.com/customer-servi ... nformation

cricket49

Good. I transferred more money to Ally a few weeks ago.

cricket49

“BlueCross has tried to make the ACA Marketplace model work for Tennessee," said Roy Vaughn, chief communications officer at BlueCross BlueShield of Tennessee. "We’re doing our best to work through the uncertainties at the federal level and still considering whether we will continue to off...

cricket49

I read an article that Humana is pulling out of the ACA in the Knoxville area in 2018. This will leave no insurance carrier for people under the ACA who live in and around Knoxville.

cricket49

We donated an old truck in December to a person in Gatlinburg who lost his home, vehicles and job due to the fires. We did not get a tax write off but doing the right thing seemed more important to us than money. I have no idea where you can donate your truck but many may come along with suggestions.

cricket49

My past two houses had rolled linoleum flooring and both were installed on concrete slabs. I don't know what moisture or condensation issues maybe associated with installing vinyl on concrete. My current house has hard wood flooring and tile in the bathrooms and kitchen. On a concrete slab the tile ...

cricket49

I have been researching all the mattress options and have no faith in the mattresses they make today.

The mattress we are using is sooooo old but the newer ones do not last long.

Here is a site that is worth reading.

www.sleeplikethedead.com/bed-mattress-review-home.html

cricket49

I waited for Vanguard for over an hour yesterday regarding converting some IRA money to Roth. I only had a few questions. Got tired of the wait. Called Fidelity and a rep was on the phone within 5 minutes. Set up a new ROTH, assigned beneficiary, completed papers for DH to have full access and funde...

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