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Re: Medicare(regular) versus Medicare Advantage

I'm a handful of years from making this decision. Here's our situation: Wife and I expect to still be traveling throughout the U.S. and overseas even after we have chosen either Medicare or an Advantage Plan. If we were sticking around home more, there is excellent medical services in all specialtie...
by robjer
Wed Oct 02, 2013 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare(regular) versus Medicare Advantage
Replies: 42
Views: 2861

Re: Weight Loss Plans?

Easiest one ever for me is the 5-2 plan where on 2 days a week one eats only 600 calories while the other 5 days is eating regular.
Easy to do but not a really fast weight loss although steady.

I've found the other 5 days I seem to eat less as well.
by robjer
Sat Sep 21, 2013 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 109
Views: 6556

Re: Bad idea to buy i-bond now?

According to treasury direct, the rate on them is 1.18%. That is pretty competitive with most one-year CDs, I think. It is broken up into a fixed rate, currently 0.0%, and double the inflation rate (2x0.59%=1.18%). It seems to me (if I'm understanding how these work) that if you bought now with a z...
by robjer
Sat Aug 10, 2013 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad idea to buy i-bond now?
Replies: 39
Views: 4122

Re: New LLC for Rentals Complete - Deed Transfer Issues?

can you still claim all the deductions of an "Active " owner of these properties after going LLC?
There was a serious difference in the deductions you could take as an Active vs. "Passive" investor.
by robjer
Sat Aug 10, 2013 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: New LLC for Rentals Complete - Deed Transfer Issues?
Replies: 35
Views: 2589

Re: [Poll] What's Your Current Mode of Camping?

Holiday Inn Express
by robjer
Fri Jun 28, 2013 12:53 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 7007

Re: What are you seeing in your Local Housing Market?

Live in Branson, MO in a condo.

Hardly any Foreclosure, bank-owned anymore.
Lousy with them when we bought one in November 2011.

Prices of condos on our golf course up more than 30% since Nov. 2011.
by robjer
Thu Jun 27, 2013 1:28 pm
 
Forum: Personal Consumer Issues
Topic: What are you seeing in your Local Housing Market?
Replies: 82
Views: 6014

Re: No permanent home, overseas visits, ineligible for umbre

What we did: Nov 2011 bought a 2-bed Fannie Mae-owned condo in Branson, MO on a golf course and lake for $38,000 and now have a home base to come back to and declare as a residence. Can't get the same deal, but in these type of mixed condo, single family, & townhouse resort communities there wil...
by robjer
Fri May 31, 2013 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: No permanent home, overseas visits, ineligible for umbrella
Replies: 14
Views: 1262

Re: New Healthcare Law on 1/1/14, but our policy renews 12/1

yeah, that was what I posted, Brudude. I just wanted to see if anybody had an issue with an insurors willingness to cancel. Payments will be on automatic draft so they could drag their feet.
by robjer
Fri May 24, 2013 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Healthcare Law on 1/1/14, but our policy renews 12/1/13
Replies: 7
Views: 631

New Healthcare Law on 1/1/14, but our policy renews 12/1/13

1-month gap requires attention. So what are our options? Board's thoughts on renewing our current United Health policy and cancelling it a month later after our January 1, 2014 policy through the Healthcare exchange takes effect. Already know by using the Kaiser Family Foundation calculator that goi...
by robjer
Fri May 24, 2013 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Healthcare Law on 1/1/14, but our policy renews 12/1/13
Replies: 7
Views: 631

Re: Hey, I Bonds might not be a total disaster after CPI-U t

nisiprius, keep the personal attacks out of your response to me. No reason to tell me about myself.

My only point was that today's CPI-U might make the I Bonds for May better.
I didn't compare I Bonds to Tips or talk about any tax implications.
by robjer
Fri Mar 15, 2013 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Hey, I Bonds might not be a total disaster after CPI-U today
Replies: 18
Views: 2294

Re: Hey, I Bonds might not be a total disaster after CPI-U t

Sorry, disaster was too strong.
Before today's CPI-U, it looked like May's bonds would have both a 0% inflation rate and a 0% fixed rate.
Maybe not a disaster, but no better than money in a mattress for 6 months for new bonds purchased in May.
by robjer
Fri Mar 15, 2013 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Hey, I Bonds might not be a total disaster after CPI-U today
Replies: 18
Views: 2294

Hey, I Bonds might not be a total disaster after CPI-U today

Anybody think the fixed will climb off Zero for May I bonds? Maybe to .02?
by robjer
Fri Mar 15, 2013 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Hey, I Bonds might not be a total disaster after CPI-U today
Replies: 18
Views: 2294

Re: I despise the Windfall Elimination Provision (WEP)

I don't think WEP is fair to ANY EXTENT. Wife paid into SS at full rates every month; get something way less out at retirement. 76% in our case is correct as she gets caught at the very most WEP reduction of $396.00+ Early retirement benefits of SS were only going to be $524 per month reduced to abo...
by robjer
Tue Mar 12, 2013 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: I despise the Windfall Elimination Provision (WEP)
Replies: 21
Views: 2098

Re: I despise the Windfall Elimination Provision (WEP)

WEP became law in 1983; I would venture to say that the definition of a Windfall has changed dramatically in the last 30 years. Penalizing those like public school teachers who were forced by low wages to earn money through other jobs to support a family in minimum comfort was an error in the constr...
by robjer
Tue Mar 12, 2013 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: I despise the Windfall Elimination Provision (WEP)
Replies: 21
Views: 2098

Re: I despise the Windfall Elimination Provision (WEP)

Iorek, 1. You say you pay SS at your public school, which is correct. But I have a feeling it is just a smaller ding for Medicare (used to be 4%) and will not equate to SS benefits. Things might have changed, but you should ask more about what your SS deduction is for. 2. Wife's roommate worked for ...
by robjer
Tue Mar 12, 2013 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: I despise the Windfall Elimination Provision (WEP)
Replies: 21
Views: 2098

I despise the Windfall Elimination Provision (WEP)

Wife taught school( not paying Social Security taxes) for long enough to draw a nice retirement check and also worked before and afterwards for Social Security wages. Now in December 2013 we are looking at her drawing early age 62 SS benfits. Unfortunately those monthly benefits will be reduced by 7...
by robjer
Tue Mar 12, 2013 6:42 am
 
Forum: Personal Finance (Not Investing)
Topic: I despise the Windfall Elimination Provision (WEP)
Replies: 21
Views: 2098

Re: Two Qs about Apps for Android

Here's a free video converter I've used for a couple years. Matter of fact I just converter 14 .mp4s to .avi less than 30 minutes ago.
Go Figure!
Here's a link: http://www.any-video-converter.com/prod ... ideo_free/
by robjer
Thu Feb 14, 2013 9:46 am
 
Forum: Personal Consumer Issues
Topic: Two Qs about Apps for Android
Replies: 8
Views: 735

Re: 5/1 ARM - what would you do?

I think any mortgage that is going to have to be refinanced within 5 years is playing with inflationary fire. You have already changed your plans in the short time since you opted for the 1/5 mortgage and so far you have been lucky mortgages have not experienced a larger rise. I would opt for a 15 y...
by robjer
Sun Feb 10, 2013 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: 5/1 ARM - what would you do?
Replies: 12
Views: 1003

Re: The perfect Boglehead car

One vote for the Kia Soul base model if your driving will mostly be local (35-38 mpg)
keep looking if you are mostly a highway driver.
by robjer
Tue Feb 05, 2013 1:44 pm
 
Forum: Personal Consumer Issues
Topic: The perfect Boglehead car
Replies: 92
Views: 8908

Re: Do I need a realtor??

Sorry, jerome, but based on your questions (especially "what do I need an attorney for, to draft contract?") , I believe you should definitely sign with a Buyer's Agent. I don't think you have enough knowledge of the paperwork required--particularly if you are going to have a mortgage. Cas...
by robjer
Mon Feb 04, 2013 6:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I need a realtor??
Replies: 19
Views: 2083

Re: What's your usual retirement day like ?

I try to get up early and do something boring so the time goes slowly. Ha!
by robjer
Sun Feb 03, 2013 1:11 pm
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 35829

Re: I-Bond Rate

Brian, i don't know what your problem is here.
Maybe manage your own postings would be a better task for you.
by robjer
Tue Apr 17, 2012 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Rate
Replies: 32
Views: 4921

Re: I-Bond Rate

Brian, i'll dispute your contention and ask to see your Board Moderator Badge. HA! Reasoning is simple: China buying up tons of U.S. debt at the same time as a nice vehicle for the average schumuck (I Bonds) become more retricted. I remember at the time limits were first dropped from $30K, I specula...
by robjer
Mon Apr 16, 2012 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Rate
Replies: 32
Views: 4921

Re: I-Bond Rate

Brian, Yes, I know about what the Chinese buy.
Just saying that dropping the limit from the original $30,000 was a lame move.
They must have heard the complaints at least to reinstate the $10K limit.
by robjer
Sun Apr 15, 2012 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Rate
Replies: 32
Views: 4921

Re: I-Bond Rate

Cosmo, I use the following site, and I only come up with 2.2%

http://www.ibonds.info/I-Bonds-and-CPI-U.aspx
by robjer
Sun Apr 15, 2012 2:42 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Rate
Replies: 32
Views: 4921

Re: I-Bond Rate

Mel,

That's great news. I haven't even checked if they raised the limit.
As soon as I get off this board, I will do another $5K in each of our personal accounts and in each of our trust accounts.

Thanks for the info.

robj
by robjer
Sun Apr 15, 2012 2:34 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Rate
Replies: 32
Views: 4921

Re: I-Bond Rate

For the first 4 months since the September CPI-U was announced there was a chance that both the inflation component and the fixed component of the May 2012 I bonds would be ZERO. However, the Feb and March CPI-U are going to give us a 2.2% inflation component and that improvement almost guarantees a...
by robjer
Sat Apr 14, 2012 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Rate
Replies: 32
Views: 4921

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