Search found 394 matches

by Fat-Tailed Contagion
Tue Sep 01, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Dell Laptop - Warranty Repair Experience
Replies: 7
Views: 618

Re: Dell Laptop - Warranty Repair Experience

THank you all for the help. We could not find any thermal events with the Dell technical rep. They checked all hardware and it "passed." THe reliability history showed 11 critical events since I purchased the laptop, almost all have been Microsoft Edge "stopped working". So I hav...
by Fat-Tailed Contagion
Tue Sep 01, 2015 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare supplemental insurance
Replies: 10
Views: 477

Re: Medicare supplemental insurance

I'm retiring from an employer who is an HMO organization. Medicare supplement insurance is a retirement benefit however I will be retiring in a location outside the employer's medical service area and therefore can receive only benefits from a PPO. My employer will contribute to the cost of the sup...
by Fat-Tailed Contagion
Mon Aug 31, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Medicare supplemental insurance
Replies: 10
Views: 477

Re: Medicare supplemental insurance

That seems high to me for a PPO supplement considering: You can likely get an: 1. HMO Advantage plan for $0 premium and low copays, co-insurances, etc. with $5-7K max annual downside 2. High Deductible Plan F for $60-70 in monthly premiums and max downside of $2,180 in annual deductible YMMV accordi...
by Fat-Tailed Contagion
Sun Aug 30, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Dell Laptop - Warranty Repair Experience
Replies: 7
Views: 618

Re: Dell Laptop - Warranty Repair Experience

I tried to do the BIOS reboot with F12 and F2 and I didn't see anything similar to "System Logs" or "thermal events". Any other suggestions? http://www.dell.com/support/article/us/en/19/SLN115162/ may be helpful Thanks, I did their comprehensive tests, it took several hours and ...
by Fat-Tailed Contagion
Sun Aug 30, 2015 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Dell Laptop - Warranty Repair Experience
Replies: 7
Views: 618

Re: Dell Laptop - Warranty Repair Experience

I tried to do the BIOS reboot with F12 and F2 and I didn't see anything similar to "System Logs" or "thermal events".

Any other suggestions?
by Fat-Tailed Contagion
Sun Aug 30, 2015 7:38 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 245
Views: 26983

Re: What are Costco's best deals?

1. Wild Organic Blueberries 2. Paper Products 3. Coconut Milk & Oil 4. Meats, Fish, Chicken 5. Turkey 6. Cheeses 7. Greek Yogurt (wish they offered full-fat instead of fat-free) 8. Cottage Cheese (same as above, would like full-fat offered but the American consumer has long been programmed with ...
by Fat-Tailed Contagion
Sat Aug 29, 2015 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Old Medical Deregotary Mark on Credit Report ?
Replies: 0
Views: 161

Old Medical Deregotary Mark on Credit Report ?

HI BHs. Going over my credit report, I noticed an old medical bill that was supposed to be a part of a settlement. I notified the attorney that handled it and he basically said there is nothing he could do. I am not sure if he made a mistake in notifying this account or the medical biller did not co...
by Fat-Tailed Contagion
Sat Aug 29, 2015 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Costco American Express Card [going away]
Replies: 30
Views: 3410

Re: Costco American Express Card [going away]

QUESTION FOR COSTCO MEMBERS: Will I be able to use AMEX Blue Cash Rewards Card now to make purchases in Costco stores ? Thank you! My understanding is that Costco will accept any form of Amex as payment in their warehouses until mid-April 2016. I personally have 3 different Amex cards and I have us...
by Fat-Tailed Contagion
Sat Aug 29, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Costco American Express Card [going away]
Replies: 30
Views: 3410

Re: Costco American Express Card [going away]

QUESTION FOR COSTCO MEMBERS:

Will I be able to use AMEX Blue Cash Rewards Card now to make purchases in Costco stores ?

Thank you!
by Fat-Tailed Contagion
Sat Aug 29, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Dell Laptop - Warranty Repair Experience
Replies: 7
Views: 618

Dell Laptop - Warranty Repair Experience

Hi BHs, I recently purchased a Dell 14 Inspiron 5447 laptop. It is great although it has been powering completely off after extended use with and without the power cord plugged in. Seems like a heat issue or some hardware failure. Could be software as they upgraded the laptop to WIndows 10 for me? A...
by Fat-Tailed Contagion
Fri Aug 28, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Costco American Express Card [going away]
Replies: 30
Views: 3410

Re: Costco American Express Card

I received the Blue Cash Rewards no annual fee so I took it.

I plan on cutting up the AMEX Costco card 04/16 and applying for the Citi Visa Costco Rewards card at that time.
by Fat-Tailed Contagion
Thu Aug 27, 2015 10:41 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 4013

Re: Laptop Recommendation

I don't think you'll see any difference going from 8 to 16gb unless you start running a lot of programs at the same time. Of course at that price... I'd save my pennies to upgrade to an SSD if you don't need the TB of storage on your HDD. That difference you will notice! Thanks mate, I will wait on...
by Fat-Tailed Contagion
Thu Aug 27, 2015 10:15 pm
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11457

Re: How are you being GREEDY when others are fearful?

I whiffed on the INTL TLH opportunity, or more appropriately I am still sitting here with the bat on my shoulder sitting in an 0-2 count.
by Fat-Tailed Contagion
Thu Aug 27, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 4013

Re: Laptop Recommendation

I picked up an open box display model recently. I like it so far. Dell 14 inch 5000 Inspiron with i5, 8 GB RAM, 1 TB HD ----------------------------------------------------------------- QUESTION for BH GEEKSQUAD: Would adding an 8GB RAM memory stick for ~$30 be worth it ? Would I notice any performa...
by Fat-Tailed Contagion
Tue Aug 25, 2015 9:04 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11457

Re: How are you being GREEDY when others are fearful?

... Before the open today (Tuesday), I placed a low-ball day limit order for ETF VYM. I'm hoping for another gap opening on Tuesday like we saw on Monday. Probably wishful thinking. :greedy Looking at the futures right now, http://www.bloomberg.com/markets/stocks/futures I think we'll have a gap op...
by Fat-Tailed Contagion
Tue Aug 25, 2015 8:12 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11457

Re: How are you being GREEDY when others are fearful?

... Before the open today (Tuesday), I placed a low-ball day limit order for ETF VYM. I'm hoping for another gap opening on Tuesday like we saw on Monday. Probably wishful thinking. :greedy Looking at the futures right now, http://www.bloomberg.com/markets/stocks/futures I think we'll have a gap op...
by Fat-Tailed Contagion
Mon Aug 24, 2015 8:33 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11457

Re: How are you being greedy when others are fearful?

1. I am considering TLH exchange from FTSE All World Ex-US Stock to Emerging Markets Index in a taxable account.

This represents a 16% portion of portfolio.

2. I am also considering using the 25% in bonds to add to equity.

Good ideas or nah?
by Fat-Tailed Contagion
Mon Aug 24, 2015 8:18 am
Forum: Investing - Help with Personal Investments
Topic: TLH from FTSE All World Ex-US to Emerging Markets or ?
Replies: 1
Views: 167

TLH from FTSE All World Ex-US to Emerging Markets or ?

Hi Bogleheads, I will likely have a TLH opportunity with a taxable account - approximately 16% of portfolio in FTSE All World Ex-US Considering: 1. Exchanging to Emerging Markets Index - risky but opportunity to buy at bargain as long-term hold 2. Exchanging to Total Int'l Stock Index - simple TLH r...
by Fat-Tailed Contagion
Sun Aug 23, 2015 9:18 pm
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11457

How are you being GREEDY when others are fearful?

“Be Fearful When Others Are Greedy and Greedy When Others Are Fearful” - Warren Buffett

What specific strategies are you considering or implementing in this fear cycle ?

All responses are appreciated, ie. buying EM, PME, rebalancing with bands according to IPS, market timing, stay the course, etc.
by Fat-Tailed Contagion
Tue Aug 18, 2015 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Re: Medicare Part B Supplement - Down to Few Options

I understand that I can enroll in a Medicare Advantage plan (HMO) and try it for one-year and then have the ability to switch to any other Medigap policy if I choose to. "Guarantee Issue" Can anyone confirm this and what are the risks of doing this? I am seriously considering doing this f...
by Fat-Tailed Contagion
Tue Aug 18, 2015 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Re: Medicare Part B Supplement - Down to Few Options

I understand that I can enroll in a Medicare Advantage plan (HMO) and try it for one-year and then have the ability to switch to any other Medigap policy if I choose to. "Guarantee Issue" Can anyone confirm this and what are the risks of doing this? I am seriously considering doing this fo...
by Fat-Tailed Contagion
Tue Aug 18, 2015 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Re: Medicare Part B Supplement - Down to Few Options

The advice to view this in a similar manner to your other insurance (house, auto) has always resonated with me. It has always intrigued me how we often use a different lens when looking at health insurance, trying to calculate what we will get for what we pay; with house insurance we don't regret p...
by Fat-Tailed Contagion
Tue Aug 18, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Re: Medicare Part B Supplement - Down to Few Options

The OP's best/worse case figures seem to assume, regarding Part D drug costs, that the current modest generics-only drug regimen will continue indefinitely. With increasing age and other medical conditions, this may not prove to be the case. Our household has not yet had to make this decision, but ...
by Fat-Tailed Contagion
Mon Aug 17, 2015 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Re: Medicare Part B Supplement - Down to Few Options

I am also in OP's position as I turn 65 in October. Although I am in NJ I have found that Plan G provides everything Plan F provides EXCEPT the annual $147 Part B deductible. If the plan F quoted to you is MORE THAN $12/month then plan G is less expensive and provides same coverage as Plan F. I'm g...
by Fat-Tailed Contagion
Mon Aug 17, 2015 10:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard CFP Annual Portfolio Review - Key Points
Replies: 6
Views: 1204

Re: Vanguard CFP Annual Portfolio Review - Key Points

tyler_cracker wrote:
Fat-Tailed Contagion wrote:- 2-3% Bond Return over next 10 yrs

- 5-6% Stock Return over next 10 yrs


are these nominal rates?


Yes.
by Fat-Tailed Contagion
Sat Aug 15, 2015 10:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard CFP Annual Portfolio Review - Key Points
Replies: 6
Views: 1204

Vanguard CFP Annual Portfolio Review - Key Points

Vanguard's current recommendations: - 60/40 US/INTL Equity Allocation - 70/30 US/INTL Bond Allocation - 2-3% Bond Return over next 10 yrs - 5-6% Stock Return over next 10 yrs - Total Markets approach - Spending Strategy: 1. RMDs 2. Taxable Accounts 3. Additional IRA withdrawals 4. Roth IRA Best rega...
by Fat-Tailed Contagion
Wed Aug 12, 2015 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ Bond Fund Analysis
Replies: 9
Views: 674

Re: Help w/ Bond Fund Analysis

:oops:

I'm just looking for an estimate of the expected return for a long-term buy and hold investor in a Vanguard bond fund.

:sharebeer
by Fat-Tailed Contagion
Wed Aug 12, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ Bond Fund Analysis
Replies: 9
Views: 674

Help w/ Bond Fund Analysis

Hi Bogleheads! I need help in the best way to model these bond funds' EXPECTED total returns: 1. Intermediate-Term Investment Grade: Yield 2.83%; Duration 5.4 years ------------> Total Return = 2.83% (long-term) 2. TIPs: Yield 0.24%; Duration 8.1 years -----------------------------------------------...
by Fat-Tailed Contagion
Sun Aug 09, 2015 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Re: Medicare Part B Supplement - Down to Few Options

After the analysis, I like the Part F High Deductible (United American) because it offers savings if you do not need the services in a year, and if you do the Plan F kicks in and covers everything. It seems like a "win-win". What am I missing ? It costs more than the nearly same Plan N. P...
by Fat-Tailed Contagion
Sun Aug 09, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Re: Medicare Part B Supplement - Down to Few Options

After the analysis, I like the Part F High Deductible (United American) because it offers savings if you do not need the services in a year, and if you do the Plan F kicks in and covers everything.

It seems like a "win-win".

What am I missing ?
by Fat-Tailed Contagion
Sun Aug 09, 2015 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Re: Medicare Part B Supplement - Down to Few Options

I would delete the HMO plan from the list, since you are limiting yourself to the doctors in the HMO plan and those outside specialists for which the HMO is willing to refer (ie, pay for) unless the HMO is huge, eg, like Kaiser. Often, the referrals are needed for each visit/procedure (at least in ...
by Fat-Tailed Contagion
Sun Aug 09, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Re: Medicare Part B Supplement - Down to Few Options

Hi kanoe,

The insurance broker we spoke with provided that info .
by Fat-Tailed Contagion
Sun Aug 09, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Supplement - Down to Few Options
Replies: 30
Views: 2047

Medicare Part B Supplement - Down to Few Options

Hi Bogleheads! We are down to a few options. Any insights / experience feedback is greatly appreciated! Situation: Age: 67.3 Male Location: Manatee County, FL Retired: August 31, 2015 Health: Good, 2 meds (generic cholesterol, generic BP), narrowing of arteries but excellent stress test results with...
by Fat-Tailed Contagion
Wed Aug 05, 2015 10:47 am
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 20
Views: 1116

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan

After modeling our situation it looks like any return around 3.5% (nominal) or above makes the Rollover the more valuable choice.
by Fat-Tailed Contagion
Tue Aug 04, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Insurance
Replies: 14
Views: 1074

Re: Medicare Supplemental Insurance

http://www.wsj.com/articles/an-unexpect ... 1438350405

Adding this WSJ recent article for those following this thread with any interest at all.

Thanks again for all of the guidance!
by Fat-Tailed Contagion
Mon Aug 03, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Insurance
Replies: 14
Views: 1074

Re: Medicare Supplemental Insurance

Here's a site I discovered after I had already signed up for Supplemental coverage. In my case, their information confirmed that I had made the best choice for me by choosing a "Plan G" over "Plan F". But when I review my coverage next time, I'm going straight to them to handle ...
by Fat-Tailed Contagion
Mon Aug 03, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Insurance
Replies: 14
Views: 1074

Re: Medicare Supplemental Insurance

FTC.....sorry, no, I'm on the other side of the country........and I should give proper credit to drawpoker who taught me how to fish. I gave you the fish but a general rule seems to be to google your state insurance agency/dept. and then search that site for medicare supplement rates In my state ,...
by Fat-Tailed Contagion
Mon Aug 03, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Insurance
Replies: 14
Views: 1074

Re: Medicare Supplemental Insurance



Thank you Kaneohe,

Do you have any experience with any of the providers or types of plans in Florida?
by Fat-Tailed Contagion
Mon Aug 03, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Insurance
Replies: 14
Views: 1074

Medicare Supplemental Insurance

Hi Bogleheads! Situation Retiring at end of August 2015 Age: 67.3 Spouse: 64.5 Location: Tampa Bay. FL I am going onto Medicare part B soon* and am investigating Supplemental Insurance policies. *I am considering waiting until 1st of 2016 to lower the Medicare part B premiums based on lower income l...
by Fat-Tailed Contagion
Sat Aug 01, 2015 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 20
Views: 1116

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan

The worst option is the 33.3% joint life with an IRR of only 2.7%, while the best one is the 100% joint life 15 year guarantee with an IRR of 4.8%. If you and your wife are in average health or better, it would be hard -- without taking on more risk -- to earn a better return on the lump sum than t...
by Fat-Tailed Contagion
Sat Aug 01, 2015 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 20
Views: 1116

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan

Here is the annuity info you requested, I also added it to original post. Thank you! Estimate based on: Retirement Date: 09/2015 Balance: $235,982 Date of Birth: xx/1948 Avg. Rate of Return: 0% Annuity Factor: 12.6689 Annuity Rate Effective: 01/01/2015 I. Single Life Annuity = $1,552 II. 1a. Joint &...
by Fat-Tailed Contagion
Sat Aug 01, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 20
Views: 1116

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan

Thank you #cruncher for the great explanation, I understand.

We will call to get more accurate quote estimates of the various annuity options they offer vs. the Rollver option (where we miss out on the $10k in Sick Pay income) and repost.

I greatly appreciate all of the help!
by Fat-Tailed Contagion
Fri Jul 31, 2015 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 20
Views: 1116

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution

I suggest you look at the annuity options before deciding whether to take the lump sum. If you can't get the options otherwise, go to the Service Retirement Calculator on the STRS site you referenced. Choose the Joint and Survivor option with one beneficiary and you should get a list of several opt...
by Fat-Tailed Contagion
Fri Jul 31, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - Water Softener and Drinking Water Problem
Replies: 5
Views: 395

Re: Need Help - Water Softener and Drinking Water Problem

Thank you all for the input!

It seems a lot of folks have used http://ohiopurewater.com/shop/customer/home.php

Can anyone with this experience share what they purchased and installed and what the upfront and on-going costs were/are?

Thank you!
by Fat-Tailed Contagion
Fri Jul 31, 2015 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Need Help - Water Softener and Drinking Water Problem
Replies: 5
Views: 395

Need Help - Water Softener and Drinking Water Problem

Hi Bogleheads, Any help here is greatly appreciated! We just (2-3 weeks ago) had a Kinetico water softener and Reverse Osmosis system installed in our house in the SW Florida area. After doing some additional research, I'm not sure that we chose the correct option. Issues 1. Cost of the system is hi...
by Fat-Tailed Contagion
Thu Jul 30, 2015 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 20
Views: 1116

Re: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution

Also, is there some kind of COLA given with the pension? I suspect the value of the pension is greatly increased with COLA and Joint&Survivor options. I can't imagine a female spouse (younger, especially) signing off on giving away the opportunity for continuing the pension at some level after ...
by Fat-Tailed Contagion
Thu Jul 30, 2015 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 20
Views: 1116

Re: To Rollover or To Annuitize? - Ohio STRS Defined Contribution

Thank you #cruncher! We found out that the only benefit to annuitizing as a Pension is the $10,000 Sick Leave payout (this year as taxable income). So we are trying to figure out if the $10,000 income payout is worth taking the annuity that we did not originally plan to do. Our original plan was to ...
by Fat-Tailed Contagion
Thu Jul 30, 2015 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: (Updated) To Rollover or To Annuitize? - Ohio STRS Defined Contribution Plan
Replies: 20
Views: 1116

Re: To Rollover or To Annuitize? - Ohio STRS Defined Contribution

I updated the original info as it unfolds with more accuracy and detail. Thank you all for the help! There is usually an option to cover spouse at various rates (100%, 50%, etc.). Is this offered and do you have the need to cover spouse? If so, is there a bounce-back to full pension if spouse dies?...

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