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Re: Nearing Retirement, have I forgot anything

all i can say is 1 dollar over bracket cap suddenly can push ss from being 50 percent taxed to 85 percent taxed. it is a hard bracket.
by gerrym51
Mon Dec 15, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Nearing Retirement, have I forgot anything
Replies: 10
Views: 1390

Re: What is the best meal you've had at a restaurant?

Victoria and Alberts in the Grand Floridian at disneyword
by gerrym51
Sun Dec 14, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6519

Re: Nearing Retirement, have I forgot anything

it looks ok-but remember-the brackets on ss do not adjust for inflation. waiting until 70 gives you a higher ss payout but then gives you a figure in the tax calculation thet you have no control over. unless the brackets ever get adjusted the tax situation 10/15/20 years down the road can be a probl...
by gerrym51
Sun Dec 14, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nearing Retirement, have I forgot anything
Replies: 10
Views: 1390

Re: Am I being cheap? [wedding/engagement ring]

I've been married 25 years. my wife has had her engagement ring upgraded twice from the original. trying to understand women is futile.Ain't gonna happen. :mrgreen:
by gerrym51
Sun Dec 07, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8780

Re: Amazon product restricted to Prime members. Is this new?

i have had prime for a couple years. I use it for my kindle video but also get things shipped. if you have prime no charge for shipping as long as it says it is an item covered by prime. once you have it i never worry about minimums. i just got something that cost 5 dollars.no shipping fees. once yo...
by gerrym51
Thu Dec 04, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Amazon product restricted to Prime members. Is this new?
Replies: 34
Views: 4110

Re: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fi

if you think you can beat it i would show up in court. a lot of times the prosecutor does not show up for these-most people pay up-and the judge will dismiss if no evidence or no prosecutor- i would not hire a lawyer though
by gerrym51
Wed Dec 03, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1369

Re: Retirees: Why worry?

Fear makes you plan carefully. i retired 2 years ago and things have gone well. if the stock market crashed it would be differennt. i'll only know for sure 30 years from now :mrgreen:
by gerrym51
Tue Dec 02, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirees: Why worry?
Replies: 25
Views: 2913

Re: Best CD rates ...

Brokered CD is a bond with fdic CD guarantee. other than the guarantee they are treated like bonds. have to sell on secondary market if you want out prior to term.
by gerrym51
Mon Dec 01, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4356

Re: Bah Humbug [managing Christmas spending]

we have 4 grown up children . we have several grandchildren. when we retired we decided we could not keep up with all kids/grandkids birthdays/christmas etc.

now each one of our 4 children get 1000.00 dollars at christmas. that know our budget
by gerrym51
Sun Nov 30, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 4613

Re: I'm getting Slaughtered in stocks

I do the same thing-at the Roulette table. Roulette has the lousiest odds at a casino and if you stay long enough at it you will ALWAYS lose your money. However the THRILL of hitting a number when you have a bunch of chips on it is unsurpassable for me-what can I say :mrgreen:
by gerrym51
Sat Nov 29, 2014 10:22 am
 
Forum: Investing - Theory, News & General
Topic: I'm getting Slaughtered in stocks
Replies: 43
Views: 5828

Re: Thoughts on Defined Maturity Bond Funds?

i own fchpx-municipal bond fund ends 2023
by gerrym51
Thu Nov 27, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Defined Maturity Bond Funds?
Replies: 12
Views: 1022

Re: Social Security 62 vs 66

one thing to remember-the brackets for deciding if SS is taxed at 50 percent or 85 percent are not adjusted for inflation. will they ever-don't know. however by not adjusting that bracket it eventaully hits more and more as time goes by especially if you have money in tax deferred rmd. by taking ear...
by gerrym51
Sat Nov 22, 2014 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 5464

Re: Social Security 62 vs 66

my opinion is the actual net position in your money in taking at 62 versus 70 makes the actual break even age 90. you can look at my prior posts. that is all My break even point is 77.3, but in my opinion "break even" calculations are meaningless. Who knows if the decision you make will g...
by gerrym51
Sat Nov 22, 2014 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 5464

Re: Social Security 62 vs 66

my opinion is the actual net position in your money in taking at 62 versus 70 makes the actual break even age 90. you can look at my prior posts. that is all
by gerrym51
Fri Nov 21, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 5464

Re: Take ACA Subsidy vs. Roth coversion???

i faced a similiar situation a year ago. fiddle with my income to get subsidy-or not. remember there are 2 things. the subsidy is based on 2nd lowest silver plan-not the one you may want-and the closer you get to 400 percent the less valuable the subsidy is. i took a silver plan that was only the 6...
by gerrym51
Mon Nov 17, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take ACA Subsidy vs. Roth coversion???
Replies: 7
Views: 1025

Re: Take ACA Subsidy vs. Roth coversion???

i faced a similiar situation a year ago. fiddle with my income to get subsidy-or not. remember there are 2 things. the subsidy is based on 2nd lowest silver plan-not the one you may want-and the closer you get to 400 percent the less valuable the subsidy is. i took a silver plan that was only the 6t...
by gerrym51
Mon Nov 17, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take ACA Subsidy vs. Roth coversion???
Replies: 7
Views: 1025

Re: "The dangers of long-term care insurance"

genworth could still go bankrupt-but it would be because all their other business went bankrupt at the same time. the LTC division is not lockboxed. if a company go es belly up the government assigns the policies to another provider and payments go to them. in these cases rates can sometimes go up H...
by gerrym51
Mon Nov 17, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 132
Views: 13185

Re: "The dangers of long-term care insurance"

I think people are misinterpreting this. Genwoth stock is not valueless and they have plenty of money. what they have said is that the LTC division is basically valuless to future profits because they don't make enough profits in that division.

they are far from poor.
by gerrym51
Mon Nov 17, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 132
Views: 13185

Re: HOA resurrection

If you want the HOA to be effective i would work with these people
by gerrym51
Sun Nov 16, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 4109

Re: "The dangers of long-term care insurance"

My state is one of the 3 states that has refused genworths requests to up premiums for old policies.from what i have been able to learn these are policies prior to 2003. we bought ours in late 2003. we have never had an increase . I have watched GE then Genworth over the years because we own the pol...
by gerrym51
Sun Nov 16, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 132
Views: 13185

Re: Glidepath (target date) investments distort asset alloca

I have bulk of money in 2 different target date funds. I let them worry about balancing
by gerrym51
Sun Nov 16, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Glidepath (target date) investments distort asset allocation
Replies: 20
Views: 3237

Re: Want to add bonds to taxable account.

i have FCHPX term limited municipal bond fund
by gerrym51
Sun Nov 16, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Want to add bonds to taxable account.
Replies: 25
Views: 1100

Re: Just signed up Obamacare again.

I live in Massachusetts. I just signed up for Obamacre again. Easy as pie this year-last year system was lousy. NOT trying to make this political, it's a genuine question as I was looking recency for some planning....... The federal site kicked me to the Mass site...... Is that what you mean or can...
by gerrym51
Sat Nov 15, 2014 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3625

Re: Just signed up Obamacare again.

I live in Massachusetts.....by the way mass has their own site.not part of the federal :mrgreen: State exchange may be important for subsidies based on the upcoming Supreme Court decision. normally i would agree with you even though i get no subsidy. however if the supreme court declares that the f...
by gerrym51
Sat Nov 15, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3625

Re: Just signed up Obamacare again.

to the best of my knowledge if a physician takes a plan they have to accept the insurances price for the service. if the doctor says 500 and the insurance says 100 and the insurance gives the doctor 50 you owe the doctor the other 50. obviously if you have a deductible left more than the 100 than yo...
by gerrym51
Sat Nov 15, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3625

Re: ACA coverage question

Assuming they are not doing something illegal or are not knowledgable they are probably in complience under some statute. didn't all of this compliance get kicked into 2015 by Obama a year ago to avoid the elections it's possible your son will get coverage in 2015 or not be renewed? Apparently he's...
by gerrym51
Sat Nov 15, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA coverage question
Replies: 7
Views: 452

Re: Blue Cross question - ACA

I am not an expert. but the ACA changed the rules for medical plans also. i don't know about your retiree plan but it might also have to cover more and different things then it did in the past. example -pregnancy coverage-now i know an early retire usually does not need it(unless old man young spous...
by gerrym51
Sat Nov 15, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Blue Cross question - ACA
Replies: 4
Views: 677

Re: ACA coverage question

Is he classified as outside contractor. they is how a lot of government agencies get around obamacare. just a guess Not at all - I figured he'd be a 1099 but that's not the case - the county pay the employers part of SSI. He's an official "county temp employee". then i guess you would hav...
by gerrym51
Sat Nov 15, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA coverage question
Replies: 7
Views: 452

Re: ACA coverage question

Is he classified as outside contractor. they is how a lot of government agencies get around obamacare. just a guess
by gerrym51
Sat Nov 15, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA coverage question
Replies: 7
Views: 452

Re: Just signed up Obamacare again.

Be interesting to see how Year Two goes, nationwide. Higher enrollments? Higher or lower prices? And of course, all the politics. i got the same plan i had last year-premium up about 9 percent. Did you check the exchanges again to see if there were any cheaper plans available? Some insurance compan...
by gerrym51
Sat Nov 15, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3625

Re: Just signed up Obamacare again.

steve roy wrote:Be interesting to see how Year Two goes, nationwide. Higher enrollments? Higher or lower prices? And of course, all the politics.



i got the same plan i had last year-premium up about 9 percent.
by gerrym51
Sat Nov 15, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3625

Just signed up Obamacare again.

I live in Massachusetts. I just signed up for Obamacre again. Easy as pie this year-last year system was lousy. However I do not get subsidy(income is too high). just like last year. If you don't want or need subsidy the form is only a couple pages. by the way mass has their own site.not part of the...
by gerrym51
Sat Nov 15, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3625

Re: Amazon Echo (Alexa)

Chan_va wrote:Not on the waiting list, and don't know much about it. But I am a sucker for new gadgets. Question for those who do know more - What does it give you that Google Now or Siri don't?



since i don't have siri or google now it gives me what i don't already have :mrgreen:
by gerrym51
Tue Nov 11, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 40
Views: 5572

Re: Amazon Echo (Alexa)

I'm on the waiting list too. they haven't started actually selling them yet.
by gerrym51
Tue Nov 11, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 40
Views: 5572

Re: ObamaCare vs. Private Insurance??

I currently actually have an Obamacare plan. However my income is too great for a subsidy-so i go thru the exchange to purchase the plan but no subsidy. as far as i know you cannot get a subsidy either up front or on future return without going thru exchange.
by gerrym51
Sun Nov 09, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 11782

Re: My DISH tv bill just keeps going up and up

I have cable/internet/phone from my cable company with several premium channels. my total bill is slightly less than you pay just for the cable tv part.

i would switch to cable-unless you have no other way available.
by gerrym51
Sat Nov 08, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: My DISH tv bill just keeps going up and up
Replies: 50
Views: 4922

Re: Early SS or Higher IRA Withdrawal??

I would revisit this issue when you are 60. who knows what will happen
by gerrym51
Thu Oct 30, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early SS or Higher IRA Withdrawal??
Replies: 19
Views: 1618

Re: Leave Bank of America and give up perks?

We have BOA and when our 4 and 5 percent CD's expired last year we suddenly had a lot at BOA earning 0.1 percent.

We established a taxable account at fidelity and moved 2/3 of the money to their brokered CD's. to avoid liquidity issues we bought a string of CD's from 2 years to 10 years.
by gerrym51
Tue Oct 28, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leave Bank of America and give up perks?
Replies: 9
Views: 1081

Re: How did you buy your largest home?

built a 4 bedroom colonial. got divorced a year later. Sold for 100,000 profit (market was booming) 2 years after that would have sold at loss. who knew?
by gerrym51
Sat Oct 25, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2713

Re: Anyone cancelling travel plans?

my wife and I went to disney world 6 weeks after sept 11 2001. place was empty(relativly for wdw). had a great titme
by gerrym51
Sat Oct 18, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6481

Re: Anyone cancelling travel plans?

ask us again in 2 weeks
by gerrym51
Sat Oct 18, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6481

Re: Health Insurance - Retiree questions

Ugh, I was hoping it wouldn't be too complicated. Thanks for all your responses. I wasn't expecting health insurance to be so expensive. btw, are those costs for a single person or family plan? Also, You suggested contacting an agent. Is there a website for these agents? thanks again for all the fe...
by gerrym51
Fri Oct 17, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1597

Re: Vegas Vacation!

cirque de soleil shows/ i've seen several all great
by gerrym51
Thu Oct 16, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 4033

Re: Your personal risk level: Got your flu shot yet?

I'm a pharmacist and i give flu shots. I never get one myself. what can i say :oops:
by gerrym51
Thu Oct 16, 2014 8:50 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3251

Re: So do we care more about change in bond price or bond yi

if you own individual bonds-or brokered CD's-or term limited bond fund-then an increase in nav is a good thing if you want to sell. i posees a term limited bond fund and it has been going up like crazy latelly. when i bought it last year and bond navs were going down it gave me agita. who knows
by gerrym51
Wed Oct 15, 2014 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: So do we care more about change in bond price or bond yield?
Replies: 178
Views: 14710

Re: What are you up YTD?

my point on posting on this thread again was not to get anybody to actually tell-just that what goes up sometimes comes down :mrgreen:
by gerrym51
Mon Oct 13, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18756

Re: What are you up YTD?

Tanelorn wrote:
Tanelorn wrote:Play money account (100% stocks), up 38% YTD. It's more fun to track than the boring stuff.

Now 44%. Some stocks are short.


what is a play money account?
by gerrym51
Mon Oct 13, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18756

Re: What are you up YTD?

InvestorNewb wrote:Please share your asset allocation and what you are up (or down) YTD in the format below.

Here are my stats:

Stocks: 100%
Bonds: -

Up: 10%



Just wondering what your year to date is now?
by gerrym51
Mon Oct 13, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18756
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