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Re: Medigap Plan F, Hi-D

My experience is identical, except I am in Vermont and have the Mediagp with Colonial Penn. In Vermont, all Medicare supplement insurance sold is community-rated, not attained-age rated. Did that influence your decision when choosing your Plan? I also noted from the pdf file linked here that you gu...
by TheGreyingDuke
Tue Oct 21, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Medigap Plan F, Hi-D
Replies: 5
Views: 409

Re: Medigap Plan F, Hi-D

My experience is identical, except I am in Vermont and have the Mediagp with Colonial Penn.

Never met the deductible so no experience with that part of the process.
by TheGreyingDuke
Tue Oct 21, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Medigap Plan F, Hi-D
Replies: 5
Views: 409

Re: How do you wash your car?

When the weather is clement, I wash it at least monthly and before a road trip, wax it spring and fall. During winter I use the do it yourself places. Reasons: 1) Bird doo 2) Road salt (Vermont has a "black roads" policy) 3) Road dust (I live on two miles of gravel road) 4) Tree sap 5) Eve...
by TheGreyingDuke
Mon Oct 20, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 121
Views: 5065

Re: Buying a house without a realtor

If you're using a house inspector, try to choose one that does NOT know the seller's agent. If the agent and the inspector have a mutually beneficial referral relationship, the inspector is disincentivized from warning you not to buy a questionable house, because, in the future, the seller's agent ...
by TheGreyingDuke
Mon Oct 20, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2787

Re: Buying a house without a realtor

Your understanding of the law is incorrect A buyer's agent is a fiduciary who owes a total duty of loyalty to the client. That is true BUT... I remember an article in the WSJ some years ago that showed (this was in Chicago I think) that when selling their own houses real estate agents held out long...
by TheGreyingDuke
Sun Oct 19, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2787

Re: Meaning of Important note included in Medicare part D pl

In the Humana Walmart plan, the $320 deductible does NOT apply to tier 1 & I think tier 2. These are usually generics.There are no copays for the generics and no deductible, but just the monhtly premium which is around $15 for 2015 (was about $12 this past year). I use this plan and it has been...
by TheGreyingDuke
Thu Oct 16, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1846

Re: Meaning of Important note included in Medicare part D pl

I have the Humana Walmart Part D, interestingly I found that the one medication I needed was cheaper at a local pharmacy than at WalMart. No need to worry about that (and the Humana web site accurately posted the prices.)
by TheGreyingDuke
Thu Oct 16, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meaning of Important note included in Medicare part D plan ?
Replies: 28
Views: 1846

Re: Retired and end of month checking account balance?

Peter Foley wrote:low 5 figures.


Me too!

Small pension, no SS, mostly dividends, interest, and maturing CDs
by TheGreyingDuke
Sun Oct 12, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retired and end of month checking account balance?
Replies: 21
Views: 1863

Re: VMMXX: Finally Pulled the Trigger

I am in the deaccumulation stage, send all the dividends to local credit union where I spend it. :happy This does not work for the few ETFs I have, they do go to the sweep and I need to remind myself to empty it out. Not buying them anymore and while you can convert from Admiral to ETF with no tax c...
by TheGreyingDuke
Sun Oct 12, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 29
Views: 3740

Re: Feedback on Vanguard funds

Someone here will suggest it so, since I am on east coast time, I get to be the first. Perhaps you should take a step back, do some more reading on the wiki, and figure out what your need, willingness and ability to take risk is. If the past few days of "red" had you thinking of bolting fo...
by TheGreyingDuke
Wed Oct 08, 2014 7:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Feedback on Vanguard funds
Replies: 8
Views: 719

Re: Help with tax loss harvesting

Why does the wiki only recommend to not reinvest dividends for taxable accounts and not tax-advantage? - http://www.bogleheads.org/wiki/Wash_sale You answered your own question; you cannot tax loss harvest in tax deferred accounts so avoiding the problem of reinvested dividends within 30 days will ...
by TheGreyingDuke
Tue Oct 07, 2014 7:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with tax loss harvesting
Replies: 16
Views: 1080

Re: Capital loss carryover in the (almost) 15% bracket

Convert 3k into the 25% bracket. You will write 3k of your losses against OI from the conversion (@25%) and the rest against the dividends(at 15%). There is no way to avoid the write off against dividends so you should try to do it in a year where you would have paid 15% instead of 0%. This is assu...
by TheGreyingDuke
Mon Oct 06, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital loss carryover in the (almost) 15% bracket
Replies: 7
Views: 500

Capital loss carryover in the (almost) 15% bracket

Last year I harvested some tax losses; I now have about $30k in carryover losses. I realize I can use $3k against ordinary income. All things being equal, I would not sell anything this year and therefore will not have capital gains, except for what my Vanguard funds throw off. Seems a waste to use ...
by TheGreyingDuke
Mon Oct 06, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital loss carryover in the (almost) 15% bracket
Replies: 7
Views: 500

Re: "Vanguard converting mutual fund accounts to brokerage?

Some times when I corrected the "problem" the situation got worse. I could no longer transfer funds between our joint account and DW's taxable account but I could between our joint account and my ROTH Not sure if this is relevant (I have not been converted to the single account structure)...
by TheGreyingDuke
Mon Oct 06, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 76
Views: 8632

Re: Can I open up a Roth IRA for my 6 year old?

That is the law, but when I was discussing estate planning with someone at a major discount broker, I was informed that the broker does not make any effort to contact the owners of such accounts when they turn 18 or 21. It is up to the parents to do so. If my child were an actor whose earnings were...
by TheGreyingDuke
Mon Oct 06, 2014 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Can I open up a Roth IRA for my 6 year old?
Replies: 32
Views: 3160

Re: Medical Tourism - recent article

I think many patients confuse "excellent healthcare" with "excellent customer service." I can tell you from personal experience with friends and family members, that whenever I hear about how "great" a healthcare experience was, it was almost always referring to how ni...
by TheGreyingDuke
Sun Oct 05, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Medical Tourism - recent article
Replies: 21
Views: 1684

Re: New hardwood floor

I put down 600 ft of pre-finished rock maple, with a helper, the right tools (cut off saw, table saw, compressor, power nailer) it was two days in total. I was able to buy some locally produced flooring (Vermont) that was far superior to any of the usual sort, the bevel that is part of any pre-finis...
by TheGreyingDuke
Sun Oct 05, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: New hardwood floor
Replies: 13
Views: 1505

Re: Suggestions to tax-efficiently reduce my holdings in a s

The 30% AGI limit is for appreciated assets that are donated, which would seemingly apply in your situation.

If they assets are not appreciated then 50% AGI is the limit
by TheGreyingDuke
Sun Sep 28, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions to tax-efficiently reduce my holdings in a stock
Replies: 5
Views: 407

Re: favorite brand name products

Heinz Ketchup (the one with sugar not corn syrup)
Hellman's of course

Most of the foods in the house are single ingredient, so brand is not usually a factor.
by TheGreyingDuke
Sun Sep 28, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2998

Re: Quicken Vanguard redo problems

Indeed, the old Pershing numbers were required, they can be found on 2007 statements. Unfortunately I only have electronic statements going back till 2009 and am not co-located with the old paper statements.

A call to flagship got the numbers and I am about to complete the task :)
by TheGreyingDuke
Fri Sep 19, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5993

Re: Quicken Vanguard redo problems

Thanks for the tip,it worked a treat!

Now I have the mismatched brokerage accounts, some with old Pershing numbers. Time to call the flagship!
by TheGreyingDuke
Fri Sep 19, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5993

Quicken Vanguard redo problems

[Thread merged, see below. --admin LadyGeek] I am doing the Vanguard redo thing, when I get to the part of linking a Vanguard account to an existing Quicken account, my IRA type accounts are not offered as an option. How do I link these? (I have tried searching at Quicken and this sort of question ...
by TheGreyingDuke
Fri Sep 19, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5993

Re: New Laptop, need help

I have bought my last few Thinkpads from the Lenovo outlet site: http://outlet.lenovo.com/outlet_us/ They come with one year warranty and after the purchase you can buy an additional year plus accidental damage coverage for $99. As a frequent traveler that extension makes good sense. There are the c...
by TheGreyingDuke
Tue Sep 16, 2014 7:32 am
 
Forum: Personal Consumer Issues
Topic: New Laptop, need help
Replies: 33
Views: 2242

Re: Revocable trust

Florida requires that a personal representative (executor) be either a relative or a Florida resident. So if someone's first choice for personal representative isn't either a relative or a personal resident, a revocable trust is the most common workaround. That's the most common reason we might rec...
by TheGreyingDuke
Mon Sep 15, 2014 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Revocable trust
Replies: 13
Views: 1079

Re: CIT Bank for savings (thinking of switching)

I have had both a savings account and CDs at CIT for the past year or so. No issues, but then I haven't had any reason to interact with them except to set up the accounts, which was all done online. Easily linked to my local credit union checking account from which I take my living expenses.
by TheGreyingDuke
Sun Sep 14, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: CIT Bank for savings (thinking of switching)
Replies: 1
Views: 170

Sub-leasing an apartment

Let's say I have a one year lease on an apartment, it allows me to sub-lease. I do so but I do not want the tenant to write me a check nor do I want to insure the apartment as a rental property, that is insurance that would cover me as as a landlord.

What are my options here??
by TheGreyingDuke
Thu Sep 11, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Sub-leasing an apartment
Replies: 2
Views: 315

Re: POLL: What was the first stock you ever bought?

1961, I was 13 and I bought 50 shares of Public Service Electric & Gas (NJ) Sold it sometime in the late 80's collected lots of dividends over the years
by TheGreyingDuke
Thu Sep 04, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2910

Re: Thailand/Cambodia Travel Recommendations

That seems like a lot of travel in eight days. Two years ago my wife and I took two weeks to get from the Malaysian border to Bangkok, making our way by local van service and train. Great trip, no big sights to check off the list but got to see a lot, interact with people, sample the great food and ...
by TheGreyingDuke
Wed Sep 03, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Thailand/Cambodia Travel Recommendations
Replies: 22
Views: 1405

Re: How Much For New Windows?

Brick molding is the wood trim that is often used on the exterior of windows.
by TheGreyingDuke
Wed Sep 03, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: How Much For New Windows?
Replies: 32
Views: 1941

Road Trip, New England to Cailfornia

My wife and I are setting out (October 9) on a four week auto trip, followed by two weeks in East Bay and LA. We are renting a car and leaving it there, flying back east in time for Thanksgiving (US). So far we go from Providence, RI (family visit), to NYC (more family), Richmond, VA (yet more famil...
by TheGreyingDuke
Tue Sep 02, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Road Trip, New England to Cailfornia
Replies: 11
Views: 1138

Re: Does anyone have 'Lazy Portfolios'?

[quote="steve r"] like Livesoft, almost never trade and only rebalance on occasion./quote]

Same here and as I enter the decumulation stage I rebalance with strategic withdrawals.
by TheGreyingDuke
Fri Aug 29, 2014 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 6683

Re: Trip to China

I have spent extensive time in China the past 10 years and the best VPN in recent visits has been here https://pandapow.co/ Servers all over the place, Hong Kong-based and very attuned to things on the Mainland and respond quickly to emails. No connection with them other than a satisfied user, last ...
by TheGreyingDuke
Fri Aug 29, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Trip to China
Replies: 13
Views: 791

Re: Are assets split in kind or liquidated on death?

I was in a similar position as you several years ago and in general, I agree with the advice to liquidate and distribute. Depending on the situation you can distribute some of the assets fairly soon, holding on to a residual for taxes, bills, etc. (it is four years since my mother's death and we are...
by TheGreyingDuke
Fri Aug 29, 2014 7:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Are assets split in kind or liquidated on death?
Replies: 12
Views: 663

Re: Roths and Roth Converstions re tax Planning

Two usual considerations: 1) Make the tax payment from outside money, rather than from the IRA to get the most benefit. 2) Consider the state tax situation, if it applies. Some states, with income tax, do not tax IRA withdrawals while others do. If you contemplate move from one of the former to the ...
by TheGreyingDuke
Thu Aug 28, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roths and Roth Converstions re tax Planning
Replies: 16
Views: 966

TLH in the 15% bracket conundrum(?)

I am retired, 66yo, not collecting SS with adequate resources. Last year I took some losses and now have a carryover of about $30k. I have, for the past few years maxed out the 15% bracket with IRA conversions but will probably not do so this year as we are contemplating a move to NY, which exempts ...
by TheGreyingDuke
Thu Aug 28, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: TLH in the 15% bracket conundrum(?)
Replies: 4
Views: 464

Re: Schwab Windhaven Funds vs Vanguard 3 Funds

Not sure what the issue is with being "overseas". I have made about 10 extended trips to China the past eight years or so, each visit from 2-6 months and always told my Flagship rep that I was going there and how to communicate with me if necessary. They even reimbursed me for an overnight...
by TheGreyingDuke
Thu Aug 28, 2014 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Windhaven Funds vs Vanguard 3 Funds
Replies: 22
Views: 2389

Re: Garden 2014 - late summer report

KimChi is being made as we speak I've always wanted to make this. Care to share your favourite recipe? http://www.maangchi.com/recipes/kimchi Many varieties here, I omit the various fish she uses, use fish sauce from the Asian market. You will need the special Korean pepper, ground medium, that she...
by TheGreyingDuke
Mon Aug 25, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014 - late summer report
Replies: 9
Views: 804

Re: Garden 2014 - late summer report

The report from Northern Vermont... the best gardening in years. Not too hot, not too cool, only two nights into the 40's during July-August. Nightshades are pumping out tons of fruit, cucurbits are busting through the fence, the corn is over 7 feet tall, and the brassicas are huge, beans are all ov...
by TheGreyingDuke
Mon Aug 25, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Garden 2014 - late summer report
Replies: 9
Views: 804

Re: Global entry and Nexus (not the phone)

I have my global entry interview next week. I got a letter telling me to bring a copy of the letter, passport and drivers license to the interview. Is there anything else I need to bring to the interview?Thanks I was almost on the road when I realized I did not have the letter, went back home and p...
by TheGreyingDuke
Thu Aug 21, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1153

Global entry and Nexus (not the phone)

I am just back from my interview for Global Entry; I belatedly found out that if you apply for NEXUS (this is to facilitate crossing from the US to Canada) you are automatically granted Global Entry. It was really NEXUS that I was after so when I got to the interview I asked if I could switch to the...
by TheGreyingDuke
Thu Aug 21, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1153

Re: Kaiser vs Blue Shield

Given a choice, I'd go with Anthem BCBS over Kaiser and did I mention better doctors? Not sure how you evaluated that they were "better doctors". Research has shown that individuals are not very good at assessing the quality of their clinicians; they tend to focus on bedside manner (which...
by TheGreyingDuke
Wed Aug 20, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5794

Mortgage or pay cash

I am posting on behalf of my son and his wife... They are mid-30's, currently without offspring, and looking to purchase a first house. They are both tenure track professors and thus guaranteed employment at least the next three or four years, likely longer. Their lifestyle is modest. Combined incom...
by TheGreyingDuke
Sun Aug 17, 2014 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage or pay cash
Replies: 9
Views: 1191

Re: Best Place to Do Research on Orthopedic Surgeons

I also wouldn't put too much weight on online reviews. Many very good surgeons have zero bedside manner, but I'd still go to them for their technical expertise. -K There is ample research out there that verifies that patient satisfaction is often related to things such as: - Was I kept waiting for ...
by TheGreyingDuke
Thu Aug 14, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 1884

Re: Which 4 door with 250+ hp

I think the road test's 0-60 times are mostly irrelevant to the everyday consumer. These are high rev launches, wheels just this side of spinning and very brutal on the drive train. For me the times that are more relevant are 45-70 (for passing on two lane roads) and 30-75 for merging onto an inters...
by TheGreyingDuke
Sun Aug 10, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8347

Top Tier gas or ethanol free (premium)

I drive a VW with the 2.0 TSI engine, it requires 91 octane (as measured in the US). I am torn between Top Tier gas http://www.toptiergas.com/retailers.html or ethanol free. I like the higher detergency that the top tier offers me, but I like the better mileage I get with the corn-free fuel. I have ...
by TheGreyingDuke
Sat Aug 09, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Top Tier gas or ethanol free (premium)
Replies: 3
Views: 522

Re: Which 4 door with 250+ hp

VW GTI with the six speed. Great engine, room for four real sized people and a hatchback. They hold their value, they are a real hoot to drive and you can afford the extra costs (maintenance and premium fuel.) Enjoy life, this will cost you maybe an extra 2-3 cents a mile over the soulless (but econ...
by TheGreyingDuke
Sat Aug 09, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8347

Re: Is Medigap insurance really needed?

... One example was a bill for $81,000 for an outpatient radiation treatment (!) from University of California, SF. Medicare paid its share and then sent the balance to Aetna. This gets a little bizarre as Aetna's agreement with UCSF has them paying $149,000 for the same procedure and they base the...
by TheGreyingDuke
Wed Aug 06, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4540

Re: Is Medigap insurance really needed?

mur44 wrote:nisiprius,

If one have Medicare Parts A, B and D (no medigap),
there is NO OOP (Out Of Pocket) limit. This
Medicare insurance (A, B and D) setup is for
'healthy' (yours and your family) individuals.

But, there are several 'tricks' one can use to
minimize OOP expenses.

:?: :?: :?:
by TheGreyingDuke
Mon Aug 04, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4540

Re: Is Medigap insurance really needed?

It could be a LOT more costly. If you're discovered to have a serious medical condition or illness you might not be able to find a Medigap insurer who will accept you. Are you saying that Medigap insurers can still screen for pre-existing conditions ? I thought the ACA did away with all that. Not d...
by TheGreyingDuke
Mon Aug 04, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4540

Re: Sensible planning for MediGap choices given price disper

Things that might concern the pruchaser of a non-Medicare plan are not relevant to Medigap. For example, the question of networks is irrelevant, if it is a medicare provider the medigap plan will cover it. I bought the cheapest high deductible F plan I could find, they actually sent someone to my ho...
by TheGreyingDuke
Mon Aug 04, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Sensible planning for MediGap choices given price dispersion
Replies: 18
Views: 681
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