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Re: SPIA quotes from Vanguard

Two things: What you are stating is not a true "return" of 8.8%. If you go for this option and the insured dies at the 10 year period (meeting the contract), the actual return is -2.12%, (in negative territory, not even considering inflation). However, each month payments continue, the re...
by bill88
Sun Jul 20, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: SPIA quotes from Vanguard
Replies: 8
Views: 1127

SPIA quotes from Vanguard

If anyone is considering a SPIA annuity, I thought I'd share the quote I got, and part of the following explanatory email to my aunt from my recent chat with Vanguard's Annuity Dept. The annuity would be for my 79 yr. old aunt in NC. (See original post http://www.bogleheads.org/forum/viewtopic.php?f...
by bill88
Fri Jul 18, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: SPIA quotes from Vanguard
Replies: 8
Views: 1127

Re: SS Restricted Application - wait to file until my FRA?

Thanks, sscritic. That makes sense. :-)

Bill
by bill88
Fri Jul 18, 2014 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Restricted Application - wait to file until my FRA?
Replies: 2
Views: 268

SS Restricted Application - wait to file until my FRA?

Do I understand this correctly -- that to file a restricted application for a spousal benefit, I must wait until the date I reach my FRA before filing? I.e., if I file for a spousal benefit before then — even a month early — I would automatically be deemed to have filed for my own retirement benefit...
by bill88
Fri Jul 18, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Restricted Application - wait to file until my FRA?
Replies: 2
Views: 268

Re: Contact Manager (Mac) to replace Now Contact??

Definitely just use the built in address book. -- Tet Hi, Tet. The built in address book is not bad for a straight contacts list, auto-sync in iCloud, and I like the price. :happy But I was hoping to find something with a bit more horsepower. Bit less minimalist, a bit more of a structured format/t...
by bill88
Sun Feb 09, 2014 1:15 am
 
Forum: Personal Consumer Issues
Topic: Contact Manager (Mac) to replace Now Contact??
Replies: 3
Views: 243

Contact Manager (Mac) to replace Now Contact??

Love it, but won' t work on my new Mac with OSX 10.9.

Any old Mac Now Contact users here? If so, what have you found to replace it?

Thanks,
Bill
by bill88
Sat Feb 08, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Contact Manager (Mac) to replace Now Contact??
Replies: 3
Views: 243

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Big number! All the best on your birthday, Taylor.

Best regards,
Bill
by bill88
Wed Jan 22, 2014 5:55 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 22055

Re: More income for my 78 yr. old aunt--plan starting to gel

:idea: You don't need the perfect plan, you just need to get some of that cash working for her. Agree! I recall other past posts that mentioned the advantage of buying long term high interest rate noncallable brokered CDs that have a no penalty POD provision for elderly clients. Wasn't aware of thes...
by bill88
Thu Jan 16, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 24
Views: 2846

Re: More income for my 78 yr. old aunt

I started Medigap as soon as I qualified. I'm seventy and forked out $2132.50 total in advance for 2014. Is there a qualification process if it isn't started right away? I dunno. There wasn't for me when I started it as soon as I qualified. If I had $2 mil in the bank and was 78, I would be a lot m...
by bill88
Sun Jan 12, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 24
Views: 2846

Re: More income for my 78 yr. old aunt

A big question is how much capital gains taxes she would have to pay if she sold them. If she does not sell them and they go to her estate then they would go at a stepped up cost basis and no capital gains would need to be paid if the people who inherited it sold it right away. They might not be id...
by bill88
Sat Jan 11, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 24
Views: 2846

Re: More income for my 78 yr. old aunt

$65,000 is 3% of her portfolio. She could withdraw this for 33 years and not run out of money even if she lives to be 111. How about TIPS with some of the funds? Bruce Hi, Bruce. You made my aunt's day. :happy Although she's not sure she'll get to 111. :!: She might go for TIPS if the current incom...
by bill88
Thu Jan 09, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 24
Views: 2846

Re: More income for my 78 yr. old aunt

I agree with the PenFed CDs, since she doesn't want to touch principal AND since her unbalanced stocks put her at risk, but are her income needs really that high? I'm not sure. We've had several conversations recently, but only just had the (more or less) full outline of Aunt A.'s portfolio. She's ...
by bill88
Thu Jan 09, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 24
Views: 2846

Re: More income for my 78 yr. old aunt

I think one shift that needs to occur is redirecting away from income generation as her focus. She needs x amount to live on so should go ahead and withdraw the other money from her accounts. She does have almost $900,000 basically earning nothing. If you can get that up to even 1% you can increase...
by bill88
Tue Jan 07, 2014 2:14 am
 
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 24
Views: 2846

Re: More income for my 78 yr. old aunt

Lack of medical supplement and Drug coverage (unless she has Medicare Advantage) is a big hole she could fall into. I would look into what options/penalties she would have to change that status. Thanks, BL. Have discussed this with Aunt A. twice and still don't fully understand her plan. But it see...
by bill88
Mon Jan 06, 2014 2:11 am
 
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 24
Views: 2846

Re: More income for my 78 yr. old aunt

Thanks, everyone, for your thoughtful replies and good ideas. I am, unfortunately, not an investment genius (except perhaps in my own mind :-)), so the advice is welcome! Aunt A. only gave me her portfolio details a few days ago. We first discussed this about 10 years ago, but no detail! I suggested...
by bill88
Sun Jan 05, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 24
Views: 2846

More income for my 78 yr. old aunt

$46,000 is her current income -- $12,000 from Social Security and $36,000 from dividends/interest. $65,000 is her income goal. Aunt A. is widowed, owns a single family home in a 55 community, near family. Just moved there after selling her Florida condo. She is a cautious investor, doesn't want to t...
by bill88
Sun Jan 05, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 24
Views: 2846

Medical bills -- getting the discount without insurance

Just a quick example. My allergist has a "list" price for allergy injections -- $17.50. When I had insurance thru UnitedHealthcare, the "negotiated' rate was $7.62, less than half. They don't take Medicare; now that I'm on it, after being their patient for 17 years, they started billi...
by bill88
Sat Nov 16, 2013 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Medical bills -- getting the discount without insurance
Replies: 19
Views: 1489

Re: KIA Optima Passenger Seat

SUVs and crossovers tend to have higher seats. We rented a Lincoln MKX (Ford Edge fancy cousin). Very nice, very comfortable seats, front and rear; heated and cooled front seats, and power lumbar in both fronts, and, I think, the same adjustment ranges in the front passenger seat as the driver seat....
by bill88
Thu Sep 26, 2013 12:44 am
 
Forum: Personal Consumer Issues
Topic: KIA Optima Passenger Seat
Replies: 27
Views: 3945

Re: Choosing Medigap Plan at 65 (with pre-existings)

We're in CA and so are able to change every year if we wish even with pre-existing. We're just completing our first year w/AARP Plan F and haven't had any problems. They are the 3rd carrier we've had. It's Medicare where the problems occur--once Medicare pays a claim i've always found the secondary...
by bill88
Fri Aug 30, 2013 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Plan at 65 (with pre-existings)
Replies: 13
Views: 1391

Re: Choosing Medigap Plan at 65 (with pre-existings)

What's your zip code? You can PM it if you don't want to post it on the forum. Plan G should be $65-100/mo at age 65. Well, I like your numbers better. :-) My CareFirst numbers ($129 for F; $119 for G) are from CareFirst's Medicare Supplement Coverage Outline - Supplement-65 Virginia, Level 1, Male...
by bill88
Wed Aug 28, 2013 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Plan at 65 (with pre-existings)
Replies: 13
Views: 1391

Re: Choosing Medigap Plan at 65 (with pre-existings)

I also wore my brain out, planning to stay with whatever I picked. I have been happy with AARP Plan F. No more tracking deductibles and copays. Ditto my wife, frugal type; works smoothly for her so far, and no tracking. We had the same "egg-sucking" (:-) experience with UHC's group plan b...
by bill88
Wed Aug 28, 2013 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Plan at 65 (with pre-existings)
Replies: 13
Views: 1391

Re: Choosing Medigap Plan at 65 (with pre-existings)

CareFirst's med-supp rates are usually not very competitive. You should also be looking at Plan G since the only difference between G and F is the Medicare Part B deductible has to be paid by the insured with Plan G, while Plan F pays it for you. Let's say that deductible is $140/year - if the prem...
by bill88
Wed Aug 28, 2013 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Plan at 65 (with pre-existings)
Replies: 13
Views: 1391

Choosing Medigap Plan at 65 (with pre-existings)

I'm treating my sign-up for Medigap as a one-time decision -- in case I won't get thru underwriting if I want to change carriers in the future. I'm looking at Plan F, either with --AARP (UnitedHealthcare), --CareFirst (BlueCross/BlueShield), or --USAA (Humana) for Plan F. (My wife has AARP's Plan F....
by bill88
Wed Aug 28, 2013 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Plan at 65 (with pre-existings)
Replies: 13
Views: 1391

Re: [Sad news - Pat Larimore]

Taylor, thank you for sharing such a moving video. Please accept our condolences for your loss.

Bill
by bill88
Sun Jul 21, 2013 12:37 am
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15826

Re: AARP Medigap Plan F -- your experience w. rate increases

Thanks, everyone, for your responses and excellent information. Very helpful. I guess my original post was really asking an unknowable question -- how will rate increases look in the future, and which carrier is the best choice for "pre-existing condition" folks like us -- assuming we have...
by bill88
Tue Jul 16, 2013 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medigap Plan F. - Your experience w. rate increases?
Replies: 29
Views: 6233

Re: AARP Medigap Plan F -- your experience w. rate increases

UHC administers AARP's plan, but it is night and day from being insured by UHC directly. UHC ran my employer's plan before I retired, and I don't have enough time in a week to tell you how bad they were; patients and doctors hate UHC. We should form a 'survivors' club. :) The AARP plan is run total...
by bill88
Mon Jul 15, 2013 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medigap Plan F. - Your experience w. rate increases?
Replies: 29
Views: 6233

Re: AARP Medigap Plan F -- your experience w. rate increases

Most importantly, if you truly do have a pre-existing condition, you will need to find a Medigap provider that you are willing to stick with for the rest of your life. That's my concern. In an ideal world, you could switch providers with no underwriting. With our pre-existings, it's unlikely we cou...
by bill88
Mon Jul 15, 2013 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medigap Plan F. - Your experience w. rate increases?
Replies: 29
Views: 6233

AARP Medigap Plan F. - Your experience w. rate increases?

Can you share your experience with rate increases, if you've had this plan for more than a year? And are AARP/UHC's rate increases roughly in line with other carriers? My wife joined the AARP/UnitedHealthcare Plan F a year ago. Likes it. I turn 65 in September. We both have pre-existing conditions. ...
by bill88
Mon Jul 15, 2013 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medigap Plan F. - Your experience w. rate increases?
Replies: 29
Views: 6233

Re: Laptop: Mac Air vs Mac Pro (Eye stress?)

I use an 11" Macbook Air, often a couple of hours at night, after a day at my desktop (with matte screens). Haven't noticed any eyestrain problems, but I think it's variable from person to person (unless it's something specific to your machine.) They're not giving these things away; if you need...
by bill88
Sun Jun 23, 2013 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Mac Air vs Mac Pro (Eye stress?)
Replies: 8
Views: 1059

Re: how to safely sell a car

99% of the folks you run into are nice, good people. That said, it's not naive to consider the risk factors. You might try word of mouth -- to friends, co-workers, church, etc. If it's someone a friend or colleague knows, that would make a difference, i.e., not a total stranger. If you go the Craigs...
by bill88
Wed May 22, 2013 2:01 pm
 
Forum: Personal Consumer Issues
Topic: how to safely sell a car
Replies: 30
Views: 2649

Re: Tiny down payments for home mortgages are back

I just don't see an increase in the availability of 5 to 10% down mortgages as a wholesale invitation to moral hazard. Not everyone's a chiseler. Or a high roller. Young people starting out, for instance, might need the 'leg up' that a 5% down mortgage provides. It certainly helped us 40 years ago w...
by bill88
Wed Apr 17, 2013 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Tiny down payments for home mortgages are back
Replies: 25
Views: 3698

Re: Any Ford Mechanic's on site?

Wow, enjoyed TT's link; some serious Crown Vic enthusiasts out there. Who knew. :shock: Here's another forum, might be worth a look. http://www.fordforums.com/f102/ In general, anything involving hvac controls/dashboard repairs can be a pain if you're trying for independent garage vs. dealer. Even i...
by bill88
Sun Apr 07, 2013 1:02 am
 
Forum: Personal Consumer Issues
Topic: Any Ford Mechanic's on site?
Replies: 3
Views: 763

Re: NY State Use Tax for Good Purchased Online

"When you purchase taxable property from a seller who is located outside of Pennsylvania and the property is delivered into or used in Pennsylvania, you are required to pay use tax. Example: You buy a desk in Delaware and you bring it into Pennsylvania to use in your home. You owe use tax on t...
by bill88
Sat Mar 30, 2013 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: NY State Use Tax for Good Purchased Online
Replies: 15
Views: 1029

Re: Comfortable soft riding car

The new Avalons may ride a bit firmer than previous models -- if the buzz on the Web is credible. If you're going that route, drive it first, and bring a tire gage along to check the pressure. I doubt anyone checks the tire pressure from the time a new car rolls off the truck, until it's prepped for...
by bill88
Tue Feb 26, 2013 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Comfortable soft riding car
Replies: 28
Views: 4958

Re: Comfortable soft riding car

My wife and I are planning to retire this year, and we would like to take some long trips by car. However, my wife has back problems (facet joint syndrome) and any bumps or bouncing when sitting in a car cause her much pain which lasts for days. Which mid-size to large sedans have the most comforta...
by bill88
Fri Feb 22, 2013 2:17 am
 
Forum: Personal Consumer Issues
Topic: Comfortable soft riding car
Replies: 28
Views: 4958

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