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Re: Signing up for health care

P.S. I find the commentary about reimbursement rates to be interesting. I think some people are under the false impression that our system is designed for the benefit of medical professionals, not consumers. Grocery store owners should not make a profit. Bread should be free. Some people are under ...
by blueridge
Tue Dec 10, 2013 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Signing up for health care

From what I know, insurance agents will not be getting any commission for people enrolling through the exchange. My impression is that certain consumer benefits are also denied to people who sign up outside the exchange. Therefore, I would be skeptical of anonymous commenting or even commenting fro...
by blueridge
Tue Dec 10, 2013 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Signing up for health care

denovo wrote:I have no idea why people just don't wait till mid-December.

Apparently, many are. That said, I personally have no qualms about using the site now, and I am a computer scientist (not a "computer specialist").
by blueridge
Wed Nov 20, 2013 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Signing up for health care

dm, my understanding is that you can create a new account with the same e-mail address. I did this several weeks ago and got in fine (after my original acct bottlenecked). Really, I'd just try it (new acct, same e-mail). *If* you then hit a problem because it's the same e-mail, only then try it agai...
by blueridge
Wed Nov 20, 2013 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Income qualifying for the ACA

If someone retires early before Medicare (65), has large sums in retirement accounts including taxable accounts, but only shows small amounts of income on their tax returns, $20,000 or $30,000 for example, and living off their savings would they we eligible for the subsidy? Yes. Your MAGI is the so...
by blueridge
Sun Nov 17, 2013 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income qualifying for the ACA
Replies: 8
Views: 464

Re: ACA estimating income with dividends

OP, don't you have to buy the silver plan to get the subsidy? I thought I read that somewhere. There are two separate subsidies, a premium subsidy and a cost-sharing reduction. Only the cost-sharing subsidy requires the silver plan. The premium subsidy is available for those below 400% of the feder...
by blueridge
Sun Nov 17, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA estimating income with dividends
Replies: 26
Views: 1485

Re: ACA Questions

The remark about those long forms asking about every disease on the planet made me just realize what a boon that aspect is. There was always the fear with private insurance that you'd accidentally forget to mention something trivial, and that omission would be used to deny coverage for some later h...
by blueridge
Sun Nov 17, 2013 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA Questions
Replies: 27
Views: 971

Re: Signing up for health care

Sigh, and this started as such a useful and helpful thread. Way to get it locked, guys.
by blueridge
Fri Nov 15, 2013 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Signing up for health care

Just wait a few more days I guess. It works fine for me now and anybody I know who has tried. The security problem above is old news and was fixed a while ago.
by blueridge
Wed Nov 13, 2013 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Pricing & Buying Health Insurance Now

I found www.ehealth.com very helpful also, as it allows you to filter by other plan features such as HSA compatibility.
by blueridge
Mon Nov 11, 2013 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pricing & Buying Health Insurance Now
Replies: 7
Views: 721

Re: A thank-you to veterans

+10000000000000000000000

Thank you.
by blueridge
Mon Nov 11, 2013 4:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: A thank-you to veterans
Replies: 32
Views: 1036

Re: If you were retired, how would you spend your time?

These days, I walk often, sometimes on the rural road, sometimes in the adjacent national forest, sometimes for several days wearing a backpack. As a volunteer co-steward on a hiking trail in a wilderness area, I spend more than a dozen days a year backpacking to work on the trail there. That sound...
by blueridge
Mon Nov 11, 2013 4:24 pm
 
Forum: Personal Consumer Issues
Topic: If you were retired, how would you spend your time?
Replies: 90
Views: 6545

Re: If you were retired, how would you spend your time?

Read more (specifically, the classics). Stargazing, learn all the constellations, and get out the telescope more often (i.e. late on WEEKNIGHTS). Walk up to the pub more often. Watch old classic movies. Running, maybe get up to at least a half-marathon. Roadtrips (U.S.). (re-)visit Europe (biannuall...
by blueridge
Mon Nov 11, 2013 4:20 pm
 
Forum: Personal Consumer Issues
Topic: If you were retired, how would you spend your time?
Replies: 90
Views: 6545

Re: Asheville NC as a final destination

bengal22 wrote:Plus I love the way the girls talk in that region.

+1000
by blueridge
Thu Nov 07, 2013 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Asheville NC as a final destination
Replies: 65
Views: 4811

Re: Signing up for health care

In case it helps anybody else, I found ehealth.com to be excellent for getting details of 2014 exchange plans available in your particular county. It even lets you select (up to 4) to compare in a single chart, and has links to the details for each (almost like a "prospectus" for each one).
by blueridge
Sat Nov 02, 2013 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Signing up for health care

2. Details of the plans are not shown. Yeah, this is a pain. I mean, what does " Anthem HealthKeepers Bronze DirectAccess w/HSA - caas" really mean? :? Although I can eventually find the details on the provider's site (such as Anthem above), it's very cumbersome. I also found that the mos...
by blueridge
Wed Oct 30, 2013 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Signing up for health care

dm200 wrote:2. Details of the plans are not shown.

Yeah, this is a pain. I mean, what does "Anthem HealthKeepers Bronze DirectAccess w/HSA - caas" really mean? :?

Although I can eventually find the details on the provider's site (such as Anthem above), it's very cumbersome.
by blueridge
Wed Oct 30, 2013 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Signing up for health care

Note also that healthcare.gov now let's you very easily see a list of exchange plans in your state/county (just go to the site, and click "See Plans Now"). I found it to be surprisingly quick too.
by blueridge
Tue Oct 29, 2013 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Grok Tip 15 You're doing it wrong: Figuring stock/bond s

I haven't read every post here in detail, so apologize if this has already been brought up, but... Does it really matter whether you count SS as part of your AA, or, as an income stream? Isn't the end result (what you do after taking SS into account) the same? As an example, for someone who is still...
by blueridge
Sat Oct 26, 2013 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Grok Tip 15 You're doing it wrong: Figuring stock/bond split
Replies: 156
Views: 11773

Re: Bernstein - Investing in Retirement

I think that the argument made in his writings are that the closer you are to the line, the more important safety becomes. For someone who is right at the edge, it seems like SPIA annuities start making sense, if one is willing to take on the risk of the insurers going under. As I don't have my Kin...
by blueridge
Fri Oct 25, 2013 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein - Investing in Retirement
Replies: 21
Views: 4315

Re: Bernstein - Investing in Retirement

What Dr. Bernstein is saying here makes a lot of sense to me, but it also flies in the face of much of what I've learned about investing. So let's say one has "enough" to live comfortably and happily for the rest of his/her life (lives). Is he really suggesting that your AA should be (clos...
by blueridge
Fri Oct 25, 2013 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein - Investing in Retirement
Replies: 21
Views: 4315

Re: Signing up for health care

dm200 wrote:Redoing the login with the same id/password/email yesterday seemed to get a lot farther - but still not in. I do not want to use a different email, unless absolutely necessary.

I used the same e-mail, but a new ID.
by blueridge
Wed Oct 23, 2013 7:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Signing up for health care

My wife and I (looking for a plan for her) for the last 2 weeks were "stuck" - we were registered (we thought) but could not sign in (error). Yesterday, we created the same login and password again - and received confirmation. I assume that they must have cleaned out our half in and half ...
by blueridge
Tue Oct 22, 2013 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: Signing up for health care

healthcare.gov seems much better now. I had problems that first week, but the past few days I've logged on multiple times and worked on my account settings without a hitch. I know from the news that a lot of people are still having problems though. EDIT - since the subject of this thread is "si...
by blueridge
Tue Oct 22, 2013 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for health care
Replies: 324
Views: 21770

Re: how to de-rate social security

Ged wrote:If we are thinking about changes to retirement planning methodology due to entitlement program uncertainty, I would think Medicare should be a bigger concern.

I agree, Sparrowhawk. :beer
by blueridge
Fri Oct 11, 2013 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: how to de-rate social security
Replies: 22
Views: 1410

Re: [Personal info] Question about Affordable Care Act Websi

California's web site has an estimator where you just enter age, income, and dependents. No personal information required. It is also on the healthcare.gov web site but very well hidden - https://www.healthcare.gov/find-premium-estimates/ , but it is almost useless since it doesn't ask for your age...
by blueridge
Fri Oct 11, 2013 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: [Personal info] Question about Affordable Care Act Website
Replies: 33
Views: 1842

Re: how to de-rate social security

The thing with SS is,

A - it is very easy to fix,
and,
B - the political fall-out from not fixing it would be off the charts.

So I go with the official estimates.
by blueridge
Thu Oct 10, 2013 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to de-rate social security
Replies: 22
Views: 1410

Re: Question about Affordable Care Act Website

The rates for me are way down, but to answer your question... Today (well, yesterday), if you got badly sick, you got kicked out (or at the very least, your premiums exploded until you said "uncle" and dropped it). Part of what you are paying for is that this can't happen now - if you hav...
by blueridge
Wed Oct 09, 2013 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Personal info] Question about Affordable Care Act Website
Replies: 33
Views: 1842

Re: Question about Affordable Care Act Website

Where are the additional benefits I'm getting for the 67% higher premiums? The rates for me are way down, but to answer your question... Today (well, yesterday), if you got badly sick, you got kicked out (or at the very least, your premiums exploded until you said "uncle" and dropped it)....
by blueridge
Wed Oct 09, 2013 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Personal info] Question about Affordable Care Act Website
Replies: 33
Views: 1842

Re: Getting access to ACA plan options?

Op, we had the same problem and it took 4 registered accounts before one of them could get in and begin working on our profile, to which we could not get that to work until last night. I don't know if this mattered, but I thought maybe the system did not like that I had two capital letters in the p...
by blueridge
Wed Oct 09, 2013 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting access to ACA plan options?
Replies: 29
Views: 1192

Re: Getting access to ACA plan options?

I had similar problems, but I started over yesterday, created a brand new account, and voila, everything works. It seems that once you get logged in successfully ONCE, you can always log in with that account (i.e. the account got validated correctly). I think the earlier problem was that you (and I)...
by blueridge
Wed Oct 09, 2013 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting access to ACA plan options?
Replies: 29
Views: 1192

Re: Affordable Care Act: Website Down

Signing up today vs. next week vs. next month won't change a thing. I wouldn't worry about it - this is normal for the opening day of a highly publicized web site. I'm planning on checking it out in a few weeks.
by blueridge
Tue Oct 01, 2013 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Affordable Care Act: Website Down
Replies: 62
Views: 4088

Re: How much risk do I NEED to take?

bobcat: I will have to read (and digest) later. The 1M was the midway point between 800K and 1.2M -- which is the range I've calculated as needing. you're 70K example is nearly spot on to what I've been playing with. I've been targeting 60K in today's dollars. I also have a pension (not indexed for...
by blueridge
Thu Sep 19, 2013 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much risk do I NEED to take?
Replies: 51
Views: 4608

Re: Retiring early: The health care conundrum

For the first time, I'll be able to get insurance without having to get it through an employer or move to another country, so yeah, it's a lifesaver.
by blueridge
Wed Aug 28, 2013 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring early: The health care conundrum
Replies: 46
Views: 4122

Re: Retiring early: The health care conundrum

Thanks for posting this. Unfortunately the authors seem to be confused about some ACA points. I think more accurate information can be found on our forums here.
by blueridge
Tue Aug 27, 2013 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring early: The health care conundrum
Replies: 46
Views: 4122

Re: Boglehead Beer

Bumping this old thread, but hey, it's about beer. Just about to start building a kegerator for my homebrew(s). Anybody else ever do anything like this? Several good guides on the web on how to do it, what mini-fridge to use, etc. And then, I start building my basement bar (hello mid-life crisis, be...
by blueridge
Wed Aug 21, 2013 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 324
Views: 36838

Re: Consumerism and Happiness

So, I think a lot of people DO "go back on" many modern conveniences when they realize they are eating their lives. It isn't easy, and takes some reflection, and isn't for everyone. Doesn't reading a novel "eat up your life" too? Have you read a book in the past 20 years? How is...
by blueridge
Fri Jul 26, 2013 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Consumerism and Happiness
Replies: 83
Views: 6507

Re: At what age did you achieve a 3% SWR

I don't know if I ever will, because I'm not aiming for a 3% SWR. In fact, yesterday when I was looking at my projected Social Security benefits, I realized that I've got my expenses down enough that if I take SS at 70 (assuming I continue earning the same amount of money, blah blah blah), then SS ...
by blueridge
Wed Jul 24, 2013 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you achieve a 3% SWR
Replies: 16
Views: 2096

Re: Isn't it a good thing if bond prices fall?

Is there a way to calculate how long a 1% increase in interest will take to offset a 5% loss in principal, i.e. the value of the bonds themselves, especially when fund managers don't hold them to maturity? How will the recent large withdrawls from bond funds impact the future gains in the fund? It ...
by blueridge
Mon Jul 22, 2013 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Isn't it a good thing if bond prices fall?
Replies: 125
Views: 10391

Re: Isn't it a good thing if bond prices fall?

Here's another Vanguard paper that's worth reading: Vanguard - The challenges ahead for the bond market (Part 1) Maybe I should have let it ride a while longer? "let it ride" "maybe I should have" You're talking like a market timer. Believe me, you don't want to go there. When i...
by blueridge
Sat Jul 20, 2013 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Isn't it a good thing if bond prices fall?
Replies: 125
Views: 10391

Re: The hazards of retiring ...

I've noticed when I tell Europeans , S Americans and Canadians that I am retired they tend to congratulate me . When I tell Americans, the most common responses are probably some variant of "You are too young to retire!" or "Aren't you bored?" Haha, I've observed the same thing....
by blueridge
Fri Jul 19, 2013 7:15 pm
 
Forum: Personal Consumer Issues
Topic: The hazards of retiring ...
Replies: 73
Views: 8253

Re: Isn't it a good thing if bond prices fall?

The title of the thread is: "Isn't it a good thing if bond prices fall?" As the chart that Kevin posted very clearly shows, the answer to that question is a resounding yes. The bond fund 10 year returns are a smoothed version of what the SEC yield predicted 10 years ago. Bonds are a sleep...
by blueridge
Fri Jul 19, 2013 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Isn't it a good thing if bond prices fall?
Replies: 125
Views: 10391

Re: Anybody here own an Endless Pool?

Wow, I would say, try it before you buy it. It doesn't seem like it would be the same as normal swimming, and it looks like something that would be very hard to sell if you changed your mind. You might find that a lifetime membership at a local pool costs a lot less and is more interesting.
by blueridge
Fri Jul 19, 2013 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Anybody here own an Endless Pool?
Replies: 9
Views: 1680

Re: Windfall - What Do I Do

Yeah, pay off those debts (highest interest ones first) and then, take the time to read a couple of books on saving and investing like The Bogleheads Guide to Investing. You will always be glad you did this.
by blueridge
Fri Jul 19, 2013 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Windfall - What Do I Do
Replies: 44
Views: 4776

Re: SS and SWR

The reason you are having difficulty determining the percentage of your portfolio attributable to SS is that SS is not part of your portfolio. It is a stream of income. You should subtract your SS benefit from your cash flow requirements to determine how much cash flow your portfolio must provide. ...
by blueridge
Fri Jul 19, 2013 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: SS and SWR
Replies: 9
Views: 657

SS and SWR

The thread <Representing a Safe Withdrawal Rate>, got me re-considering how I account for SS benefits as part of my portfolio. Well, currently I don't, but I probably should. I plan on delaying SS until 70. But, representing how much that is, as a single value, depends (obviously) on how long I live...
by blueridge
Fri Jul 19, 2013 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: SS and SWR
Replies: 9
Views: 657

Re: Isn't it a good thing if bond prices fall?

billyt wrote:The title of the thread is: "Isn't it a good thing if bond prices fall?" [...] the answer to that question is a resounding yes.

Thank you for cutting through the noise. This is the most important point, especially for less experienced investors, to understand.
by blueridge
Fri Jul 19, 2013 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Isn't it a good thing if bond prices fall?
Replies: 125
Views: 10391

Re: Consumerism and Happiness

I was brought up with color TV (b&w when very young). Now I haven't had a TV in almost 20 years, and could never, EVER, go back to having one. I can't even bring myself to watch it for more than 20 seconds at an airport, etc. I'm pleased when my daughter (now 16) refers to TV as that "stup...
by blueridge
Fri Jul 19, 2013 7:20 am
 
Forum: Personal Consumer Issues
Topic: Consumerism and Happiness
Replies: 83
Views: 6507

Re: Consumerism and Happiness

I'm not sure how this plays into the consumerism and happiness thing, but I noticed that certain items you generally can't go back on. Like color TV (for those of us old enough to remember black and white), air conditioning, power steering and brakes, high speed internet, and even heated car seats....
by blueridge
Thu Jul 18, 2013 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Consumerism and Happiness
Replies: 83
Views: 6507

Re: Consumerism and Happiness

My happiness is derived from a) My family b) my work and c) my friends -- in that order. Everything else comes after that. So to answer your question: What things do you buy that make you happy (not experiences - we have many threads already on that)? * iPhone & iPad: life would not be the same...
by blueridge
Wed Jul 17, 2013 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Consumerism and Happiness
Replies: 83
Views: 6507
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