Search found 247 matches

by cricket49
Wed Dec 16, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare eligible - Calculate HSA contribution for 2020
Replies: 3
Views: 281

Re: Medicare eligible - Calculate HSA contribution for 2020

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

Thanks for the help!
by cricket49
Wed Dec 16, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Slow Processing Returns?
Replies: 26
Views: 1924

Re: IRS Slow Processing Returns?

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...
by cricket49
Mon Dec 07, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Medicare eligible - Calculate HSA contribution for 2020
Replies: 3
Views: 281

Medicare eligible - Calculate HSA contribution for 2020

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...
by cricket49
Wed Nov 04, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Email from healthcare.gov about 2019 income
Replies: 21
Views: 2226

Re: Email from healthcare.gov about 2019 income

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.
by cricket49
Tue Nov 03, 2020 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Email from healthcare.gov about 2019 income
Replies: 21
Views: 2226

Re: Email from healthcare.gov about 2019 income

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...
by cricket49
Mon Oct 19, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: Cost of land clearing
Replies: 18
Views: 1566

Re: Cost of land clearing

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...
by cricket49
Fri Oct 02, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 59
Views: 3674

Re: Trail sneakers

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.
by cricket49
Fri Oct 02, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Trail sneakers
Replies: 59
Views: 3674

Re: Trail sneakers

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...
by cricket49
Thu Oct 01, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: How Often Does Medicare Pay For COVID Tests
Replies: 4
Views: 642

Re: How Often Does Medicare Pay For COVID Tests

We got our covid19 test at our local health department for free. They provide tests over and over with or without symptoms.
by cricket49
Thu Sep 24, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 119
Views: 11354

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

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

These rates keep dropping. 😡
by cricket49
Sun Sep 20, 2020 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging a physician's bill
Replies: 82
Views: 5598

Re: Challenging a physician's bill

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...
by cricket49
Tue Sep 01, 2020 7:58 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 356
Views: 29597

Re: What is your age and asset allocation ?

Age 65 and 60
Retired for 3 years

64% US Equities
11% Bonds
25% Cash
by cricket49
Mon Aug 24, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13883

Re: Thoughts on Tennessee

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...
by cricket49
Mon Aug 24, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13883

Re: Thoughts on Tennessee

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...
by cricket49
Wed Aug 05, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: tru tankless(electric) versus rheem hybrid(electric)
Replies: 15
Views: 1038

Re: tru tankless(electric) versus rheem hybrid(electric)

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...
by cricket49
Sat Aug 01, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Land in Dahlonega, Georgia
Replies: 29
Views: 2296

Re: Land in Dahlonega, Georgia

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 ...
by cricket49
Sat Aug 01, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5935

Re: Cyclists...where are you getting your masks?

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.
by cricket49
Thu Jul 23, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: What about northeast corner of GA? (sorry about long post)
Replies: 67
Views: 7345

Re: What about northeast corner of GA? (sorry about long post)

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....
by cricket49
Wed Jul 22, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Sold land - Capital Gains & Loss
Replies: 7
Views: 619

Re: Sold land - Capital Gains & Loss

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!
by cricket49
Wed Jul 22, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31658

Re: What surprised you the most once you retired?

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...
by cricket49
Wed Jul 22, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sold land - Capital Gains & Loss
Replies: 7
Views: 619

Sold land - Capital Gains & Loss

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...
by cricket49
Sun Jul 12, 2020 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Chase reducing credit card limits
Replies: 141
Views: 15906

Re: Chase reducing credit card limits

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...
by cricket49
Sun Jul 12, 2020 7:08 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19781

Re: Pandemic buys that have improved quality of life?

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!
by cricket49
Tue Mar 24, 2020 8:06 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 32921

Re: How much you lost/gain since Feb 20,2020 ?

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. :-(
by cricket49
Sun Mar 08, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 379
Views: 27625

Re: [Why aren't forum members following the "Stay the course" approach?]

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...
by cricket49
Thu Oct 10, 2019 3:48 pm
Forum: Personal Investments
Topic: Capital Gains on Sale of Land
Replies: 9
Views: 916

Re: Capital Gains on Sale of Land

Thanks everyone for your replies.
by cricket49
Thu Oct 10, 2019 2:31 pm
Forum: Personal Investments
Topic: Capital Gains on Sale of Land
Replies: 9
Views: 916

Re: Capital Gains on Sale of Land

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...
by cricket49
Thu Oct 10, 2019 2:28 pm
Forum: Personal Investments
Topic: Capital Gains on Sale of Land
Replies: 9
Views: 916

Re: Capital Gains on Sale of Land

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. ...
by cricket49
Thu Oct 10, 2019 2:11 pm
Forum: Personal Investments
Topic: Capital Gains on Sale of Land
Replies: 9
Views: 916

Capital Gains on Sale of Land

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...
by cricket49
Sat Sep 28, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3747

Re: What is protocol for cleaning house when moving?

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...
by cricket49
Fri Sep 27, 2019 10:00 am
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance? [Update 2020-07-22]
Replies: 27
Views: 2653

Re: Which brokerages can display Personal Portfolio Performance?

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...
by cricket49
Fri Sep 27, 2019 7:11 am
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance? [Update 2020-07-22]
Replies: 27
Views: 2653

Re: Which brokerages can display Personal Portfolio Performance?

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 ...
by cricket49
Mon Aug 26, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 14437

Re: out of network emergency visits. Huge bill!!!

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...
by cricket49
Mon Jan 28, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Tax Season Tax Options
Replies: 39
Views: 4231

Re: Tax Season Tax Options

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...
by cricket49
Sat Jul 21, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 33
Views: 3528

Re: Heart Rate Monitors Fitbit vs. Garmin

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...
by cricket49
Wed Nov 15, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Bill Paying Issues
Replies: 18
Views: 1862

Re: Bill Paying Issues

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,...
by cricket49
Wed Nov 15, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 1205

Re: Florida slip & fall advice? Helping my parents

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...
by cricket49
Fri Nov 10, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 90115

Re: Quicken's future direction - a cause for concern

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 ...
by cricket49
Fri Nov 10, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 53795

Re: Did you tell anyone you paid off your mortgage?

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...
by cricket49
Mon Nov 06, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6786

Re: Poll-How much do you have in your HSA?

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.
by cricket49
Wed Sep 13, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank charges monthly fee for Quicken and Quickbooks
Replies: 6
Views: 956

Bank charges monthly fee for Quicken and Quickbooks

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...
by cricket49
Sat Jun 10, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Changing State Residences for ACA Coverage
Replies: 15
Views: 2368

Re: Changing State Residences for ACA Coverage

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 ...
by cricket49
Thu May 25, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 11243

Re: Fidelity customer protection guarantee-void if you use Mint?

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
by cricket49
Sat Apr 22, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 94
Views: 19220

Re: Ally Bank - Savings Account Rate Increased!

Good. I transferred more money to Ally a few weeks ago. :D
by cricket49
Tue Mar 28, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Humana pulling out of Tennessee next year
Replies: 3
Views: 781

Re: Humana pulling out of Knoxville next year

“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...
by cricket49
Tue Mar 28, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Humana pulling out of Tennessee next year
Replies: 3
Views: 781

Humana pulling out of Tennessee next year

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.

:-(
by cricket49
Mon Jan 30, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Donating an old car
Replies: 26
Views: 2485

Re: Donating an old car

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.
by cricket49
Wed Jan 04, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Tile flooring - hard on the ole bones?
Replies: 18
Views: 2208

Re: Tile flooring - hard on the ole bones?

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 ...
by cricket49
Tue Dec 20, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Help choosing a mattress
Replies: 38
Views: 7094

Re: Help choosing a mattress

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
by cricket49
Tue Dec 13, 2016 3:24 pm
Forum: Personal Investments
Topic: Telephoning Vanguard
Replies: 77
Views: 8292

Re: Telephoning Vanguard

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...