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Re: Recorded Q&A with Rick Ferri and the RTP Bogleheads

After watching this interview, I downloaded his free book, read his comments re: asset allocations & found it to be the impetus I needed to get my allocation in line with my "investor psychology".

Thanks for posting this. I will be regularly checking his blog from now on.

-sam
by samjuno
Sun Jul 27, 2014 2:13 am
 
Forum: Investing - Theory, News & General
Topic: Recorded Q&A with Rick Ferri and the RTP Bogleheads
Replies: 25
Views: 3262

Re: Out of state notary services

Spoke with the Hawaii State Ass't Attorney General & he also suggested using my own state's notary and submitting the Hawaii affidavit to the insurance company.

-sam
by samjuno
Tue Feb 26, 2013 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Out of state notary services
Replies: 9
Views: 654

Re: Out of state notary services

Yes, that makes sense (just sending in an affidavit from my state & seeing what they do).

Or I might just send them the Hawaii affidavit and have it notarized by someone in my state and see how they respond.

Thanks.

-sam
by samjuno
Sat Feb 23, 2013 2:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Out of state notary services
Replies: 9
Views: 654

Re: Out of state notary services

It was the insurance company that informed me that they need the affidavit from Hawaii in order to release the money to me. To my knowledge, my mother's estate didn't need to go through probate since she had few assets. I might go ahead and send the insurance company a "Small Estate Affidavit&q...
by samjuno
Fri Feb 22, 2013 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Out of state notary services
Replies: 9
Views: 654

Out of state notary services

Am trying to collect on my deceased mother's old annuity with an insurance company. She passed away several years ago in Hawaii & the insurance company tells me I need to complete & submit a "Small estate affidavit" from Hawaii. Problem is that the form requires a Hawaii notary pub...
by samjuno
Thu Feb 21, 2013 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Out of state notary services
Replies: 9
Views: 654

Re: looking for best prepaid cell phone and carrier

I like Boost Mobile. Pay $10 every 90 days and it gets added on to my balance. Don't use my cell phone very often, but figure $3.33/month is worth having it. Love my Sanyo Mirro, but don't think it's available anymore.

Runs on Sprint network.


-sam
by samjuno
Thu Feb 21, 2013 10:27 pm
 
Forum: Personal Consumer Issues
Topic: looking for best prepaid cell phone and carrier
Replies: 5
Views: 1231

Re: Medigap Plan G vs Plan F?

Local SHIP counselor told us in Medicare class that some medigap companies either won't accept you or allow you to "upgrade" your plan (ex. move from a N plan to a F plan) if you change your mind later. Think that refers to changes once your "Guaranteed Enrollment Period" is past...
by samjuno
Fri Feb 15, 2013 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 32
Views: 5224

Re: HSA & Medicare A appeal?

Yes, I already considered that & it's the main reason I finally enrolled in Medicare. Penalty was getting too large for Part D.

-sam
by samjuno
Fri Feb 15, 2013 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA & Medicare A appeal?
Replies: 2
Views: 403

Re: Medigap Plan G vs Plan F?

Just signed up for Plan G for all the reasons you mentioned.
Went w/ cheapest company (in my state) for that Plan (GPM) which is administered by MofO. Don't know if
that's good or bad since this is my first year w/ them.



-sam
by samjuno
Wed Feb 13, 2013 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 32
Views: 5224

HSA & Medicare A appeal?

At 67, I voluntarily decided to sign up for Medicare & drop my employer's group HDHP plan even if I'm still working & not drawing on my social security yet. Social Security sent me my Medicare card which states Part A is retroactive to last June 2012. Since I've contributed to my HSA for 201...
by samjuno
Tue Feb 12, 2013 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA & Medicare A appeal?
Replies: 2
Views: 403

Re: Medicare Medigap policy cost

Uncertain if a SHIP counselor could give you specific recommendations as to Medigap companies or brokers. You might need to contact companies directly or go the broker route. Lots of independent brokers are online. Unfortunately, I've noticed they each have their own biases as to which companies the...
by samjuno
Sat Nov 03, 2012 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Medigap policy cost
Replies: 51
Views: 14564

Re: Medicare Medigap policy cost

After reading this discussion, I'm wondering how a company like USAA would rate since they deal direct with customers and don't work with brokers. Wouldn't they have lower costs since they save on broker fees? Most brokers appear to only cover the biggies ( AARP/United Health Care, Anthem, Aetna etc...
by samjuno
Sat Nov 03, 2012 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Medigap policy cost
Replies: 51
Views: 14564

Re: Do new people often take the advice offered here?

I've gotten good feedback from some generous folks here (Laura, Livesoft, Alec,etc.) & did start to implement changes when the Bear slowed me. Realize my fault is that I'm too fast getting into funds and too slow getting out. So here I am, sheepishly, still in too many funds. For someone with a ...
by samjuno
Wed Jun 13, 2012 1:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Do new people often take the advice offered here?
Replies: 53
Views: 3460

Re: Home Care Insurance for 1/2 price of LTCi?

The future of long term care assistance (Medicaid) is uncertain, especially after the tsunami of baby boomers starts needing it. A single person right now would need to only have $2000 in assets (not counting home and auto) to qualify and Medicaid would only cover care in a facility. Who knows what ...
by samjuno
Fri Nov 25, 2011 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Care Insurance for 1/2 price of LTCi?
Replies: 5
Views: 538

Home Care Insurance for 1/2 price of LTCi?

Has anyone taken out Home Care Insurance not part of a Long Term Care policy? I can't afford LTCi, but am told that a Home Care policy would be 1/2 the cost. The plan with Physician's Mutual sounds good and they are a highly rated company by Weiss & others. My understanding is that they will cov...
by samjuno
Wed Nov 23, 2011 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Care Insurance for 1/2 price of LTCi?
Replies: 5
Views: 538

Re: Changing beneficiary on I bonds

Mel-

Thanks, that clears it up for me. Since my sibling lived in another state, I better get a copy of her death certificate.

-sam
by samjuno
Mon Oct 31, 2011 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Changing beneficiary on I bonds
Replies: 4
Views: 390

Re: Is Amica insurance a great company for ... ?

I was evacuated from my condo due to a fire several years ago. AMICA was great and they paid for me and my two cats to stay at a very expensive motel which was much more convenient and cat accommodating than cheaper places which accepted pets (pet=dog friendly). My cats would have hated the other pl...
by samjuno
Sun Oct 30, 2011 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Amica insurance a great company for ... ?
Replies: 23
Views: 4477

Changing beneficiary on I bonds

My sibling past away recently and I'm wondering what's the simplest way to deal with the fact that she was a beneficiary on some of my I bonds. If I leave things alone, and I pass away would it automatically go to her heirs or to my estate? According to Treasury Direct, you can only change a benefic...
by samjuno
Sun Oct 30, 2011 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changing beneficiary on I bonds
Replies: 4
Views: 390

Re: medicare advantage vs medigap

I'm pretty sure you can't make HSA contributions after age 65... It's not age, but whether you're enrolled in Medicare which disqualifies you : "As long as you have not enrolled in Medicare Part A or B you are an eligible individual and may contribute to your HSA. Once you enroll in Medicare y...
by samjuno
Fri Oct 28, 2011 3:12 am
 
Forum: Personal Finance (Not Investing)
Topic: medicare advantage vs medigap
Replies: 28
Views: 2080

Re: medicare advantage vs medigap

You're lucky to find a medi-gap plan that would take you. In the medicare class they warned us that it 's easier to switch from a medigap to an advantage plan, but going the other way might be impossible due to underwriting issues. I'm holding off another year before signing up with medicare so I ca...
by samjuno
Thu Oct 27, 2011 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: medicare advantage vs medigap
Replies: 28
Views: 2080

Identity Theft insurance

AMICA is offering this with a company called Identity Theft 911. I haven't heard how much they are charging, but wondered if anyone has had experience with this company and if this type of insurance is worthwhile.

http://www.amica.com/products/idFraudExpense.html
by samjuno
Sun Oct 23, 2011 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Identity Theft insurance
Replies: 2
Views: 406

Medicare Advantage Plan warning

Attended a "Medicare class" here in CO & was warned that if you get "seriously ill" - you could end up with horrendous co-pays. They mentioned something about patients having chemo being stuck with major (i.e. devastating) expenses. (Don't know if this would apply to Kaiser)....
by samjuno
Thu Oct 14, 2010 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage -> Medigap: What exactly is the story?
Replies: 18
Views: 3723

Part B penalty + HDHP

My group HDHP is not a "credible plan" in terms of Part D, so there would be a penalty in delaying signing up for it. It's unclear if I delayed signing up for Part A & B whether it would trigger a Part B penalty later. I attended a Medicare info session today & was told the employe...
by samjuno
Fri Aug 06, 2010 2:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare vs. employer's HDHP
Replies: 6
Views: 1922

Medicare vs. employer's HDHP

I'm turning 65 soon and am faced with either staying on my employer's High deductible Health plan & keep contributing to my HSA or signing up for Medicare. I plan to keep working a few more years and am in the 15%-25% tax bracket (depending on overtime). Am currently in decent health with no maj...
by samjuno
Thu Aug 05, 2010 3:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare vs. employer's HDHP
Replies: 6
Views: 1922

Yes, Dodge and Cox did have a distribution (.44)- so as of today's closing, it's up 27.3%. I took too long listing the updates for the other funds & my earlier reply got kicked out when I was forced to log back in. Anyway, I liked Alec's suggestions & will be mulling over all of the feedback...
by samjuno
Fri Apr 03, 2009 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sml. Portfolio-too many funds?
Replies: 7
Views: 1446

1. What percentage did your DODGX increase since you bought the new shares? Bought the new shares at $53.11 & as of today it's at $66.76. So unless I miscalculated, DODGX has gone up 25.7%. 2. What percentage did the corresponding Vanguard fund that you would have bought increase since you boug...
by samjuno
Fri Apr 03, 2009 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sml. Portfolio-too many funds?
Replies: 7
Views: 1446

Sml. Portfolio-too many funds?

Several years (!) ago, Laura gave me helpful advice which I was in the process of implementing (slowly), but the bear market threw me into a state of paralysis. I was planning to move out of Dodge & Cox into Vanguard ....well, after losing so much, I'm resigned to holding still in D&C Stock ...
by samjuno
Fri Apr 03, 2009 6:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Sml. Portfolio-too many funds?
Replies: 7
Views: 1446

One year later:

Bit the bullet today and transferred everything out of DODFX (Dodge & Cox Int'l) into DODGX (D&C Stock). Figured both funds were so down, that the move merely reduced my international exposure/risk. Still hanging on to DODIX ( D&C Income) more out of inertia than confidence. Also, transf...
by samjuno
Mon Oct 13, 2008 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing allocation: Fast or gradual?
Replies: 6
Views: 1492

Late starter, been investing for last 13 years-current age 63- took more risk-started with 60/40 & over the last year dropped down to 55/45, but this month's market has probably dropped me closer to 50/50. Current strategy- letting the market adjust my allocation & just increasing my emergen...
by samjuno
Sat Oct 11, 2008 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's your current retirement AA of stocks vs bonds?
Replies: 11
Views: 2727

Teetering...

I've been trying to do the same (currently all my T-C contributions are going into money mkt.), but so far I'm still paralyzed ....I admire your courage.........

I too am about 2 years from retirement.

Good luck (to all us older Boomers)-

-Sam
by samjuno
Wed Oct 08, 2008 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Took the Rebalancing Plunge
Replies: 10
Views: 2468

Re: Changing allocation: Fast or gradual?

Valuethinker wrote: When you are moving equity fund to equity index fund, I wouldn't sweat it too hard. Just do it. The reason being that your only worry is the *difference* in performance between two funds. So the healthcare fund might do 5% better than the fund you are switching into, but 5% of 2...
by samjuno
Fri Oct 05, 2007 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing allocation: Fast or gradual?
Replies: 6
Views: 1492

Changing allocation: Fast or gradual?

Last month I posted this info on M*: Age: 62 (employed) Taxable investments: 0 Spouse:0 Pension:0 Debts: 0 (except for mortgage of approx. $73k@ 6.25%) Lifestyle: very frugal Income: less than $35k Future Social Security: under $1k/month unless I wait till 70 Emergency funds: almost 9 months of livi...
by samjuno
Thu Oct 04, 2007 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing allocation: Fast or gradual?
Replies: 6
Views: 1492

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