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Re: Kaiser vs Blue Shield

EvelynM wrote:
I wish they would allow payment of premium online.

I would double check that. We pay our Kaiser premiums on line.
by teacher
Sun Aug 24, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5099

Re: Chase Freedom reward changes in 2016

BolderBoy wrote:
Capital One 1.5% unlimited cash back Visa card?

Thanks. I'll definitely look into it.
by teacher
Sun Aug 24, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3434

Re: Chase Freedom reward changes in 2016

LOL. kaneohe, I wish I had that kind of discipline and attention to minutia, but once those funds are co-mingled, it's all over. It's in the general pot. Nope, CHASE just lost themselves a dang good customer. I'm sure they will be devastated.
by teacher
Sat Aug 23, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3434

Re: Chase Freedom reward changes in 2016

kaneohe wrote: Don't they allow you to take the reward as a statement credit? Isn't that as good as a paper check, maybe better, since you don't have to deal with the check? Probably quirky and old fashioned, but I like to accumulate cash kickbacks and spend it on the grand kids exclusively. If the ...
by teacher
Sat Aug 23, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3434

Re: Kaiser vs Blue Shield

Paul wrote: I worry about the moral hazard of being both an insurance provider and the provider of medical services. The insurance side is all about cost-effective care for the group and being user-friendly. The medical side is one doctor making the best decision for the patient sitting on the exam...
by teacher
Sat Aug 23, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5099

Re: Signing up for medicare Oct 1

tc101 Have you looked into Kaiser Permanente Advantage Plan? They cover the Atlanta area. https://healthy.kaiserpermanente.org/health/care/poc/!ut/p/a1/fZDBToNAEIafpQeOMEOpDXqDmhqoVWut4l7MQgfYFHfJdCXh7YXGmpioc5uZL9-fGRCQgdCyU5W0ymjZjL2Yvy3T7X0c-xFinM4wWUd3jxdpiog-pCCqxuQn9HXK68W6AtFKW7tKlway1hTjpra2...
by teacher
Sat Aug 23, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 19
Views: 1756

Re: Chase Freedom reward changes in 2016

"the discontinuation of paper checks"

No cash back is a deal breaker for me. I need my Nana money. When I was told CHASE would discontinue their rewards check, I put on my things to-do-to list to find another card to supplement my Am Ex (Costco) card. Ideas?
by teacher
Sat Aug 23, 2014 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3434

Re: Purchasing long term care insurance for relative

SoCalGirl wrote: A question for the previous posters Longerprimer and teacher, why was Medicaid in home help or nursing homes not an option? Was a preference or your parents were not eligible? My mom was not eligible for Medi-Cal. Social Security and an $189 mo pension (for 30 years as an RN) put h...
by teacher
Sat Aug 23, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing long term care insurance for relative
Replies: 15
Views: 918

Re: Purchasing long term care insurance for relative

captaintaco wrote: I'm curious how you're getting the $250-$400 / day figure for nursing home care? Around here, assisted living facilities run $100 / day. With inflation in 20 years I can see them costing $200 / day. Are nursing homes more expensive? While my mother was in a nursing home for rehab,...
by teacher
Sat Aug 23, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing long term care insurance for relative
Replies: 15
Views: 918

Re: Enough retirement income to avoid Medicaid

Perhaps this is why the OP's wants to avoid Medicaid: Will Medicaid take my house when I die? Q. If I enroll in the new expanded Medicaid program, when I die and try to leave something to my kids, can the government attach those assets to repay the benefits I received? The answer is, it depends. Of ...
by teacher
Sat Aug 23, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Enough retirement income to avoid Medicaid
Replies: 30
Views: 2919

Re: What's happening with my Stable Value fund?

Thanks, placeholder. Here's what it says: Can I post images? Yes, images can be shown in your posts. If the administrator has allowed attachments, you may be able to upload the image to the board. Otherwise, you must link to an image stored on a publicly accessible web server, e.g. http://www.exampl...
by teacher
Thu Aug 21, 2014 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1844

Re: What's happening with my Stable Value fund?

Thanks for the additional info, dbr. I will definitely try to wrap my head around it later today, but as you can see by my last post, my confusion was based on the primary problem of not knowing how to read a simple chart. I would love to share it and other charts in future, but I don't know how to ...
by teacher
Wed Aug 20, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1844

Re: What's happening with my Stable Value fund?

I called Fidelity which holds the Stable Value fund and asked about the opposite trajectory of the daily yield (YTD) and 1 year yield. Being not so savvy, I concentrated on the word, "daily" thinking it was today's yield rather than a cumulative, year-to-date yield. :oops: The chart I was ...
by teacher
Wed Aug 20, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1844

Re: What's happening with my Stable Value fund?

dbr wrote: Stable means the asset value of a share is stabilized by insurance. It does not mean the yield is somehow guaranteed. If you thought that, then you misunderstood from the beginning. I understood there is no guarantee, but rather the fund is somewhat stabilized. How can one tell whether th...
by teacher
Wed Aug 20, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1844

Re: What's happening with my Stable Value fund?

Valuethinker said: So perhaps the short rates the fund is getting on its investments have gone up (a bit) but the longer term yields are falling? Is that a good thing? Perhaps daily and one year yields are not meant to inform the low-information investor. I just want to know whether this fund is &qu...
by teacher
Wed Aug 20, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1844

Re: What's happening with my Stable Value fund?

placeholder wrote:
What was the yield on the fund a year ago?

I can only go back to January 10th of this year.
The yearly yield was 2.67% on that date.
The yearly yield gradually dropped to 2.38% as of Aug 18th.
Daily yield has increased from .69% to 1.50% during that duration.
by teacher
Wed Aug 20, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1844

Re: What's happening with my Stable Value fund?

placeholder said: You're "aging out" some higher yielding days from the far end. I would have thought that if yields were less at one year than daily, but it's the opposite. Daily yield is increasing and one year yield is decreasing. Maybe I am missing your point. inbox wrote: Flattening Y...
by teacher
Tue Aug 19, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1844

What's happening with my Stable Value fund?

We invested in the AT&T Stable Value fund in January 2014. The Expense ratio had just increased from .35ER to .39ER 12/31/13. The ER has remained at .39 since January 1, 2014. Since January, I have watched the daily yield increase from .69% to 1.50% and the 1 year yield decrease from 2.67% to 2....
by teacher
Tue Aug 19, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's happening with my Stable Value fund?
Replies: 16
Views: 1844

Re: TIPS vs SVF

Isn't a Stable Value fund more like a Bond fund than TIPS? Don't you need TIPS + Bonds OR SV?
by teacher
Sat Aug 16, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs SVF
Replies: 12
Views: 1339

Re: “The more I learn, the more I realize how much I don't k

Albert Einstein — 'As our circle of knowledge expands, so does the circumference of darkness surrounding it.'
by teacher
Sat Aug 16, 2014 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: “The more I learn, the more I realize how much I don't know"
Replies: 18
Views: 1923

Re: Best lender to refinance mortgage?

retiredjg wrote: I remember those days! Hard to imagine, isn't it? I remember sitting in my high school economics class figuring out how much a mortgage vs cash would cost over time. That lesson was my motivator to refinance one Easter break when I had some down time. All savings was invested in th...
by teacher
Sat Jun 07, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1061

Re: 4% (or 2-3%) rule; before or after tax?

Best Plans wrote: "So if I assume my tax rate will be 25%, I use $1.5M as my "spendable" base..." That is what I have always assumed, but have not been sure it is that simple. I'll be interested in what others have to say. You have probably already considered 15% taxable needs t...
by teacher
Sat Jun 07, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 4% (or 2-3%) rule; before or after tax?
Replies: 8
Views: 1228

Re: Best lender to refinance mortgage?

Kosmo wrote: Can I ask why he has to refinance by December? Is that when his ARM adjusts? Does he have an idea of what it will adjust to? If it's a 5/1, the adjustment may be small and he'd have another year to shop mortgages. Yes, the mortgage adjusts in December. He wants to get a predictable loa...
by teacher
Sat Jun 07, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1061

Re: Best lender to refinance mortgage?

Thanks, runner. I'll look through those calculator options and see if any of them fit. retiredjg wrote: If he has already been paying for 5 years, it would be best for him not to go back to 30 years unless he has no choice. Not sure they can swing that. We refinanced a 13.5% 30 year to a 9.5% 15 yea...
by teacher
Sat Jun 07, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1061

Re: Best lender to refinance mortgage?

sscritic wrote: You live in CA. Does your son? In the past, I got a HELOC from a lender other than my mortgage lender. I then refinanced with the institution that held my HELOC. Now where is Washington Mutual? For a purchase loan, I have used a mortgage broker. Most recently, I asked my real estate...
by teacher
Sat Jun 07, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1061

Re: Best lender to refinance mortgage?

One of the qualifiers for membership to Pen Fed is:
"I am a relative or housemate of someone who is eligible"

My daughter-in-law's father is an Air Force veteran.
by teacher
Sat Jun 07, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1061

Re: Best lender to refinance mortgage?

dm200 wrote: Check out PenFed - there are easy ways to qualify for membership My son and his wife are not associated with the military. Is there another way to qualify? I will suggest credit unions other than the one he belongs to which does not look very promising other than the fact the loans are...
by teacher
Sat Jun 07, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1061

Best lender to refinance mortgage?

My son needs to refinance his mortgage by December. His lender is Bank of America. *cough* The have offered him a 35 year loan with 4.21% rate with no pre-payment penalty. I expressed concern because that is the only offer they have solicited. Can anyone recommend a reputable lender that has a decen...
by teacher
Sat Jun 07, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 23
Views: 1061

Re: Fixing what my grandfather left behind

Does your grandmother have long term care insurance? Consider the average LTC cost is $7,500 a month for skilled nursing either in-home or in a facility when deciding AA and cash reserves.
by teacher
Thu May 22, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixing what my grandfather left behind
Replies: 23
Views: 5778

Re: Hotel suggestions Washington,DC

We stayed at the Hotel Monaco Alexandria in Old Town Alexandria. The web site describes it accurately: "Everything that surrounds our boutique hotel is steeped in history. The streets, architecture and surroundings all reflect the past. You'll find that America's stories weave their magic in pr...
by teacher
Tue May 20, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Hotel suggestions Washington,DC
Replies: 32
Views: 2087

Re: When did you tell your children how much you had amassed

RedPen wrote: But I would imagine that once a child feels "rich", it might be harder for that child to develop a deep sense of empathy for those who are poor. This is a valid point. Also, a young adult, even with an education and a career, may not take saving for retirement seriously if t...
by teacher
Sun May 18, 2014 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11038

Re: Deferred Income Annuity/Longevity Insurance

RMDs will be annuity enough for us. After 70 1/2, we will have taxable income whether we like it or not.
by teacher
Sat May 10, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity/Longevity Insurance
Replies: 42
Views: 3193

Re: What is the "minimum" social security benefit?

sscritic I have never followed those rules. Please teach me after you figure them out. I have often thought I should change my Bogleheads screen name to "Learner". Trust me, I am here to glean wisdom, not to instruct. In terms of time frame, my question would apply to today's rules going ...
by teacher
Tue May 06, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the "minimum" social security benefit?
Replies: 4
Views: 741

What is the "minimum" social security benefit?

There is another current thread inquiring about the "maximum" social security payout. I have been unable to find the minimum SS payout. Perhaps there is no way to find out. One must work 40 quarters to qualify for Social Security. If one worked minimum wage during that time, what would the...
by teacher
Tue May 06, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the "minimum" social security benefit?
Replies: 4
Views: 741

Re: article about medicare covering more ltc issues

The new allowances under Medicare do not include long term care in a facility or in-home personal care. The article I posted has links that give specifics of new coverage. Custodial care and supervision are not included.
by teacher
Tue May 06, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: article about medicare covering more ltc issues
Replies: 8
Views: 861

Re: What is the maximum social security benefit?

Maximum Social Security Benefit: Worker Retiring at Full Retirement Age: $2,642/mo.
http://www.ssa.gov/pressoffice/factshee ... ts2014.pdf
by teacher
Tue May 06, 2014 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the maximum social security benefit?
Replies: 29
Views: 2839

Re: article about medicare covering more ltc issues

A Quiet ‘Sea Change’ in Medicare http://newoldage.blogs.nytimes.com/2014/03/25/a-quiet-sea-change-in-medicare/?_php=true&_type=blogs&_php=true&_type=blogs&_php=true&_type=blogs&_r=2& "In January, Medicare officials updated the agency’s policy manual — the rule book ...
by teacher
Tue May 06, 2014 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: article about medicare covering more ltc issues
Replies: 8
Views: 861

Re: Best Hospice Care Support Forum

I am grateful for each of your responses. On reflection, I think an online support group may be counterproductive. Hopefully, hospice will provide what is needed during this very difficult time. Thank you for the suggestions and caring comments.
by teacher
Mon May 05, 2014 12:16 am
 
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 976

Re: Best Hospice Care Support Forum

Munir, I agree, we need to and plan to talk to the hospice provider in person; we will during the intake session. Medicare hospice does not include the custodial care and overnight monitoring which is what we really needed. Now we realize we need a thorough outline of the help they are prepared to ...
by teacher
Sat May 03, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 976

Best Hospice Care Support Forum

We have been taking care of my 96 year old mother in our home for nearly four years. Last October, my mother's doctor referred me to a hospice agency. After talking to them over the phone, I decided she would not qualify, and I was not convinced they would be much help as they don't provide the type...
by teacher
Sat May 03, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 976

Re: Selling gold jewelry

I have never heard of a good outcome selling gold jewelry. I wonder if you would get a better deal selling gold jewelry on e-bay or Craig's list.
by teacher
Fri May 02, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Selling gold jewelry
Replies: 15
Views: 1317

Re: Fixed income % at retirement

This is an interesting poll. More may respond if the word, "POLL" was included in the title.
by teacher
Wed Apr 30, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income % at retirement
Replies: 41
Views: 9532

Re: Social security at 62 vs 70

You just made our decision a lot easier, YDNAL. I have never seen a comparison of options like that before.
by teacher
Tue Apr 29, 2014 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5834

Re: Social security at 62 vs 70

As a retired teacher, I will be impacted by GPO (Government Pension Offset). I have no survivor rights to my husband's social security. He will be 67 this fall and tentatively plans to take SS immediately after his birthday. The downside of this is our IPS says make ROTH conversions annually at leas...
by teacher
Tue Apr 29, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 76
Views: 5834

Re: Why will stocks/bonds do worse than in the past?

To clarify for the learner here, when you say "real return" are you referring to 100% stock allocation? I was thinking 50/50 stock/bonds when I cited between 6%-8% nominal return.
by teacher
Mon Apr 28, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Why will stocks/bonds do worse than in the past?
Replies: 30
Views: 5572

Why will stocks/bonds do worse than in the past?

In this thread about doubling your money in a specific time frame, http://www.bogleheads.org/forum/viewtopic.php?f=1&t=138158 nisiprius said: Many people I think of as experts seem pretty sure that the outlook for both stocks and bonds is worse than in the past, so your chances of hitting 6% may...
by teacher
Mon Apr 28, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Why will stocks/bonds do worse than in the past?
Replies: 30
Views: 5572

Re: Why a million may not be enough

tc101 wrote:I recently met a woman with a paid off condo who has no savings and is happily retired on what she gets from Social Security. That would describe my mother who worked as an RN for 30 years. She did fine on SS and a tiny pension ($196 mo) and a tiny house with no mortgage for many years,...
by teacher
Thu Apr 24, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why a million may not be enough
Replies: 33
Views: 6344

Re: What's your number?

We never had a number. The only goal was to get a "critical mass", a notion I got from Bob Brinker's Land of Critical Mass radio program. I didn't really think we could save enough to acquire a "critical mass", but we saved nevertheless. Besides a money market fund holding 8 mont...
by teacher
Wed Apr 23, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31576

Re: What's your number?

John wrote:
25 times my desired yearly budget less SS :beer


Yes, but if you are 30 now, how do you know what your yearly budget will be in 25 years?
by teacher
Wed Apr 23, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31576

Re: Can you put after tax RMD withdrawals into ROTH?

Thank you, earlyout. This looks like a simple process which will avoid some hassles. I have not seen it discussed before. Much appreciated.
by teacher
Fri Apr 18, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1840
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