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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: 35
Views: 2753

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: 35
Views: 2753

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: 35
Views: 2753

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: 985

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: 985

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: 12909

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: 12909

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: 2935

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: 12909

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: 2735

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: 992

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: 3237

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: 3237

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: 3237

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: 446

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: 594

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: 446

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: 446

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: 3237

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: 3237

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: 3237

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: 35
Views: 3736

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: 35
Views: 3736

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: 9255

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: 4324

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: 1582

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: 1065

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: 2689

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: 6411

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: 6411

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: 1584

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: 3933

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: 3203

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: 14140

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: 18599

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: 18599

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: 18599

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
Mon Oct 13, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1584

Re: Health Insurance - Retiree questions

I'm not 65 yet. I pay 550 a month for my health insurance-as a single.my wife is on medicare

my plan is an Obmacare plan. I get no subsidy. Unless you fall within lower income ranges insurance is expensive.
by gerrym51
Mon Oct 13, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1584

Re: Relocating to a tax free state with good weather need ad

the southwest does have water issues. I suggest South Carolina. i don't know if tax free but it's where i would move if i was going to move.
by gerrym51
Sun Oct 12, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3662

Re: today's WSJ page 1...interesting

Please don't post links to paywall sites. I can only read the first 3 sentences and NO I don't want to subscribe to the WSJ. You may want to go to incognito mode and google the title - this may get you a link that Bogleheads can read. you read the title of the article on wsj page. then you google W...
by gerrym51
Wed Oct 08, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: today's WSJ page 1...interesting
Replies: 22
Views: 3300

Re: Critically Acclaimed Movies you did not like

the King's Speech
by gerrym51
Sun Oct 05, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9092

Re: Do you deviate from the BH philosophy?

yes i do. all funds i have cost between .6 and point .8 :mrgreen:
by gerrym51
Thu Oct 02, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 4179

Re: Why not 100% CD's?

a 3 percent 5 year cd is not just around the corner. rates have been stagnant-with a few 'special rate teasers' occuring -for about a year
by gerrym51
Fri Sep 26, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not 100% CD's?
Replies: 73
Views: 5350

Re: Medicare Advantage Plan.....Stay or Go?

have you priced one of the letter plans. although the wife has an excellent Mediacre advantage plan the price has been going up. so i priced the best medicare letter plan for my state-in massachusetts we only have 2-core and core plus. the price for this plus a part d plan was about comparable to th...
by gerrym51
Tue Sep 23, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plan.....Stay or Go?
Replies: 14
Views: 1267

Re: Part D Sticker Shock

My wife and I both received the 2015 information for our Medicare Part D plans. Wife's Humana Enhanced plan premium increases from $45.60 to $49.30, retaining the zero deductible. Not too bad. OTOH, my WellCare Classic plan premium increases from $16.10 to $29.80, and the deductible increases from ...
by gerrym51
Fri Sep 19, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2344

Re: Feeling smug until 10 year ROR from Vanguard

My fund which i've owned over 10 years is 7.76 10 year rate of return :mrgreen:
by gerrym51
Sat Sep 13, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 81
Views: 7868

Re: Need advice on which tablet to buy

get a kindle fire. it does web browsing and already will work with prime. I have one
by gerrym51
Fri Sep 12, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2702

Re: Good Modern Science Fiction

Harry Dresden novels. I started number 1 2 months ago and know have completed all 15.


Harry dresden/detective/practicing wizzard.



The Dresden Files
by gerrym51
Thu Sep 11, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 138
Views: 6892
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